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3>c. 



I >>S 



lO ^ ly 



Important to First-Class Insurance Men 



Insurance Brokers and Fire Insurance Agents through whom risks are occasionally placed. 
and Life Agents with surplus business, are invited to apply for terms. 



Commercial Alliance 

LIFE INSURANCE COMPANY 

OK NEW YORK, 

Will treat with wide-awake, competent, energetic and reliable parties to accept position as 
Managers and General Agents. Liberal contracts and exclusive control of territory will be given to 
tbe ri^t kind of men, who will 6nd this the very best Company to represent. 



LIFE INSURANCE LIKE FIRE INSURANCE, SO MUCH 

INSURANCE FOR SO MUCH MONEY, ON 

THE NATURAL PREMIUM PLAN. 

Free Policies, Unconditioned, Automatically Non-forfeiting, Incontestable, Cash Returns, 
restricted Privileges. 

ABOUT HALF THE USUAL WHOLE LIFE RATES. 

A plain, simple, direct promise to pay. No uncertainties, no assessments. 
o issues something new, a twenty year Convertible Option Bond, which is 

THE PERFECTION OF ENDOWMENT, 

Combining a safe investment vnth the most liberal and desirable farm of Insnranfe extant. The 
Investment Fund being paid in addition to the amount insured in the event of death. 

The face of the Dond and accumulations are paid at matnritv. An increasing fund that may 
be dzmwn upon at any time or used as security for loans without collateral. 

INDORSED CASH SURRENDER VALUES. 

A bank account that can be drawn upon without terminating the insurance. 
An Insurance increasing annually until it becomes double the face of the bond. 

EVERYTHING GUARANTEED. 

Presenting more and greater advantages than the contract of any other Life Insurance Company. 

Also issues LIMITED PAYMENT and all standard forms of Policies and SURVIVOR- 
SHIP ANNUITIES, providing an annuity to the insured on attaining an age fixed at the time of 
insaring, and an annuity to his l^neficiaries for ten or twenty yean in case of his prior death. 



JOHN I. HOLLY, President. 

E. L. Finch, G. A. Dowden, H. M. Munsell, 

Vice-Presidents. 

A. C. Hunt, Secfetanr and Actuary. Wiluam Miller, Director of Agencies. 

H. W. Mitchell, M.D., Med. Director. Hobart Chessman, M.D., Ass't Med. Director. 

J. H. McCracksn, Treasurer. C. H. Bogert, Jr., and D. A. Whitehead, Ass't Secy's. 

Home Office, - 48 BROADWA^, N.'y! 

B - CT r^' 



THE 

Equitable 

Life Assurance 
Society 

OP THB UNITED STATB8. 

JANUARY I, 1891. 

ASSETS. .$ii9i243,744 
Liabilities, 4^, 9S>503,297 
SURPLUS. . . $23,740,447 

INCOME $35,036,683 

New Business) g^ 

written in 1890. ) *"J,o*v,xw/ 

Assurance 



in force. 



[720,662,473 



HENRY B. HYDE, President. 
Jambs W. Alexander, Vice-Pret't. 



The Spectator Company 

PUBLISHERS AND IMPORTERS OF 

Standard Insurance Works. 



PUBLISHERS AND PROPRIETORS OF THE FOLLOWING 
IMPORTANT LIFE PUBLICATIONS: 

THE SPECTATOR.— An American Review of Insurance ; Published Weekly. Price $4.00 
per annum. 

THE INSURANCE YEAR BOOK.— lamed July of each year. Price of each volume : Life 
and Miscellaneous Insurance, $5.00 ; Fire and Marine Insurance, $5.00 ; both volumes when 
ordered together, $8.00. 

HANDY GUIDE TO PREMIUM RATES, APPLICATIONS AND POLICIES OF 
AMERICAN LIFE COMPANIES.-Price $2.00. 

HAND-BOOK OF LIFE AND ACCIDENT INSURANCE ON THE ASSESSMENT 
PLAN.— Price $2.00. 

PRINCIPLES AND PRACTICE OF LIFE INSURANCE.— A scientific treatise on Life 
Insurance, with valuable tables for reference. Price $2.00. 

A B C OF LIFE INSURANCE.— Price $1.00. 

LIFE INSURANCE RATIOS.— Price $1.00. 

DEFINITIVE ANALYSIS OF LIFE INSURANCE RETURNS FROM 1881 TO i8go, 
INCLUSIVE.-Price $2.00. 

INSURANCE PREMIUMS AND RESERVES.-Price 50 cts. 

LIFE INSURANCE POLICYHOLDERS POCKET INDEX.-Price 25 cts. 

(Showing the tutittics of the level premium companies.) 

POCKET REGISTER OF LIFE ASSOCIATIONS.-Price 25 cts. 

(On the AiMSsment plan.) 

POCKET REGISTER OF ACCIDENT INSURANCE.-Pricc 25 cu. 

DIVIDENDS IN LIFE INSURANCE FROM DATE OF ORGAN IZ ATI ON.-Price 
25 cts. 

A DECADE OF LIFE INSURANCE, 1 880-1 890. -Price 25 cts. 

THE LIFE INSURANCE EXAMINER.-Price $3.00. 

ALSO NUMEROUS OTHER STANDARD INSURANCE WORKS, 



A catalogue of Insurance Publications with descriptive circulars of the above works, will be 
forwarded on application. 

Address, 

THE SPECTATOR COMPANY, 

Chicago Office: 14 CORTLANDT STREET, 

i6z La Salle Street. Ks^vsr Vork. 



NOT HOW BIG? 

BUT HOW STRONG ? 



-• THE •- 



>^N : OF NE\V YORK : 

Mas over $126 of Assets to secure every 
$1CX) of Liabilities. 



BONDS AND STOCKS OWNED BY THE COMPANY. 

United States 4 per cent Bonds. 

Brooklyn City, Public Parks, 7 per cent Bonds. 

Erie R. R. 2d Mortgage, Cons. 6 per cent Bonds. 

Erie R. R., funded, 5 per cent Bonds. 

New York, Chicago and St. Louis R. R. 4 per cent Bonds. 

New York, Lack, and Western R. R. Cons't 5 per cent Bonds. 

Albany and Susquehanna R. R., ist Cons. 6 per cent Bonds. 

Morris and Essex R. R., ist Cons. 7 per cent Bonds. 

Chicago and North- Western R. R. Cons. 7 per cent Bonds. 

Oswego and Syracuse R. R. Cons't 5 per cent Bonds. 

Fidelity Loan and Trust Co. 6 per cent Bonds. 

JeflFerson R. R., ist 5 per cent Bonds. 

Delaware and Hudson R. R., Pa. div. 7 per cent Bonds. 

Monmouth Co., N. J., 5 per cent School Bonds. 

Central Trust Co. Stock. 

American Exchange National Bank Stock. 

National Bank of Commerce Stock. 



CHARLES A. TOWNSEND, President. GEORGE E. IDE, Secretary. 

GEORGE H. RIPLEY, Vice-President. WM. A. MARSHALL, Actuary. 



WITH COMPLIMENTS OF 

The Spectator Company, 

NEW YORK. 



YEAR BOOK. 

1891-92., 
[Life and Miscellaneous.] < 



(NINETEENTH ANNUAL ISSUE.) 



Carefully Corrected to June 15, iSgi^ 



Price, #5«oo per Copj. 



Nbw York : Chicago : 

THE SPECTATOR COMPANY. 

1 89 1 . 

Batercd, according^ to Act of CongreM, in the year 1891, by Trb Spbctator Ookpany, in tha Offiee of 
the Ubnilan at Concreat, at Waahingtoa, D. C. 




SU RANGE YEAR BOOK. 



CASH CAPITAL, S2O0,OO0.0a 



m^^r 



insuranceCoinpan^ 

DETROIT, MICH. 



THE STANDARD issues ^ll 

FORMS OF REGULAR AND INSTALLMENT 

^ ACCIDENT INSURANCE, ALSO EMPLOYERS 

\ INDEMNITY, ELEVATOR AND LIABILITY 

INSURANCE AT STANDARD RATES AND 

WITH LIBERAL CONDITIONS. 



D. M. FERRY, - - President. 
STEWART MARKS. SecreUry. 

M. W. O'BRIEN, Treasurer. 

E. A. LEONARD, Assistant Secretary. 

F. F. PARKINS, Sup't of Liability Dep't. 

C. W. HITCHCOCK. M. D., Chief Surgeon . 



AGENTS WANTED FOR UNOCCUPIED TERRITORY. 

GERMANIA 

KiRE Insurance Company 

Of Neijv- York. 

Statement, January 1st, 1891. 

nsseTS. 

Cash Capital, ------- $1,000,000.00 

Reserve for Reinsurance, ----- 1,060,448.23 

Reserve for Losses under adjustment, - . - - 98,560.02 

Reserve for all other Claims, ----- 28,392.98 

Net Surplus, --.-.-- 879,214.20 

Total, ------ %^,o66fiis.A3 

DfOBBASB Dl ASSETS daring the Tear, - - $101,478.79 
DIOKBASB Dl BBnrSVBAHCB BBSEEYB dnring the Tear, - 29,108.66 

OAnrni STTBPLVS during the Tear, 1S1,160.7» 

RUDOLPH QARRIQUE, ------ President. 

HUGO SCHUMANN, ----- Vioe-Presldent. 

CHA8. RUYKHAVER, ------ Secretary. 



THE INSURANCE YEAR BOOK. 



"la 






fey ^cB®-?l*^M •**»,.'. 







•-. 



The establishment of Nicoll & Roy is specially 
equipped to handle large lines of Insurance 
Printing. When you need anything in the 
printing line it would be well to have their 
prices. The numerous publications of The 
Spectator Company are printed by this firm. 



u 



D. A. Carpenter, 



THE INSURANCE YEAR BOOK. 



Guy Francis, 

SCORCTARY. 



insurance 



UTAH 

TEXAS 

ALABAMA 

MONTANA 

COLORADO 

CALIFORNIA 

NORTH DAKOTA 

MISSOURI, ARKANSAS 

Tennessee, Washington, West Virginia 

North and South Carolina and South Dakota. 



THIS Company has been in successful operation since 1878; its 

STOCKHOLDERS AND DIRECTORS ARE MEN OF THE HIGHEST INTEGRITY AND 
COMMERCIAL STANDING. 



Table of Contents. 



Pagb 
Aoddent Insurasoe Companies in Great Britmin. X14 
Aoddent Insurance Comfianies in the United 

States. Stock aoa 

Accident Insurance Company in tbe> United 

States. Mntiial ao8 

Actuarial Societies of Great- Britain Z05 

Addenda 19 

Miscellaneous Correctioas 19 

Notes of Companies 19 

Underwriters Organizations 29 

Aggregates of Life Insurance Companies for 

Ten Years 133 

Aggregates of Premiums, Interest. Payments, 
and Accamuladon of Assets of Life Insur- 
ance Companies in Twenty-three Years.. . 140 

Alabama Insurance Agents 4x3 

Alabama, Life Insurance in aio 

Alabama, Statutory Requirements 33 

American Experience Table of Mortality, Ex- - 

tracisfipom the.. 16$ 

American Experience 4^ per cent Net Pre- 
miums 157 

Amount of Insurance Carried on a Single Life, 

Maximum 170 

Analysis of Assets of Life Insurance Com- 
panies 141 

Annuity of ^i, Present Value of 900 

Annuity Rates. Table of. 171 

Arizona Insurance Agents 414 

Arizona, Life Insurance in 310 

Anaona, Statutory Requirements 34 

Arkansas Insurance Agents 414 

Arkansas, Life Insurance in an 

Arkansas, Statutory Reoniremcnts 34 

Assessment Insurance Companies Registered 

in Canada 99 

Assets of Life Insurance Companies, Analysis 

of. 14X 

AsseU. PbUdfs and Claims of British Life 

Insurance Companies, Canadian Branches. 89 
Assets, Policies and Claims of Canadian Life 

Insurance Companies 86 

Assets, PoKcies and Claims of Foreign Life In- 
surance Companies, Canadian Branches. • 89 
Assets, PdHdes and Claims of United States 
Life Insurance Companies, Canadian 

Branches 91 

Australasia, Life Insurance in 117 

Austria, Life Insurance in xx8 

Aathority in Insurance Matters, Offidids Hav- 
ing XX9 

British Columbia Insurance Agents 

British Industrial Life Insurance Business xxa 

British Insurance Companies, Directory of . . . . xoo 

British Life Insurance Companies, Assets, Poli- 
cies and Claims of Canadian Branches of. . 89 

Bntjsh Life Insurance Companies Licensed in 
Canada, Chief Agents of 95 

British Life Insurance Companies xoo 

Bridsh Miscellaneous Insurance Companies.. . . xoo 

British Miscellaneous Insurance Companies, 
Canadian Branches of. 95 

Business and Standing of Canadian Life Insur- 
ance Companies 84 

Business and S<anding of Canadian Branches 
of United States Miscellaneous Insurance 
Companies 94 

Business in 1890 of all United States Life Insur- 
ance Companies X38 

Business of British Industrial Life Insurance 
Companies xxa 

Business Transacted in the Various States by 
Life Insurance Companies axo-aas 



Pagb 

California Insurance Agents 4x5 

California, Life Insurance in axx 

California, Statu' ory Requirements ^ 

Canada, Life Insurance in 84 

Canada, Miscellaneous Insurance in 94 

Canada, Statutory Requirements. 30 

Canadian Assessment Insurance Companies, 

Chief Agents of. 99 

Canadian Branches of British Life Insurance 

Companies, Assets, Policies and Claims of. 89 
Cantuiian Branches of British Miscellaneous 
Insurance Companies, Business and Stand- 
ing of 94 

Canadian Branches of British Biiscellaneous In- 
surance Companies, Chief Agents of 95 

Canadian Branches of Foreign Life Insurance 

Companies, Assets, Policies and Claims of. 89 
Canadian Branches of U. S. Ufie Insurance 

Companies. Assets, Policies and Claims of. 91 
Canadian Branches of United States Miscel- 
laneous Insurance Companies, Business 

and Standing of 94 

Canadian Branches of U. S. Miscellaneous In- 
surance Companies, Chief Agents of 95 

Canadian Life Insurance Companies, Assets, 

Policies and Claims of 86 

Canadian Life Insurance Companies, Business 

and Standing of 84 

Canadian Miscellaneous Insurance Companies. 93 
Canadian Officials Having Authority in Insur- 
ance Matters xio 

Capita], Their xx8 

Ceased to Transact New Business in Canada, 

Life Insurance Companies that have 98 

Chief Agents of Assessment Insurance Compar 

niesin Canada 99 

Chief Agents of British Life Insurance Compa- 
nies Licensed in Canada. 95 

Chief Agents of British Miscellaneous Insui^ 

ance Cumpanies, Canadian Branches 95 

Chief Agents of Lite Insurance Coinpanies that 

have Ceased to do Business in Canada. ... 98 
Chief Agents of United States Life Insurance 

Companies Licensed in Canada 95 

Chief Agents of United States Miscellaneous 
Insurance Companies, Canadian Branches. 9< 

Colorado Insurance Agents. 418 

Colorado, Life Insurance in. » axx 

Colorado, Statutory Requirements 37 

Combined Experience Mortality Table, Ex- 
tracts from ihe 909 

Combined Experience, 4 percent Net Prem- 
iums X57 

Companies Doing Business in the Dominion, 

What is Required of. 83 

Companies in Great Britain of Uncertain Ad- 
dress or Doubtful Existence xo8 

Companies in the Hands of Receivers. 144 

Comparative Tables Showmg Rates Charged 

for Different Forms of Insurance 153 

Connecticut Insurance Agents 4x9 

Connecticut, Life Insurance in axx 

Connecticut, Statutory Requirements 37 

Decisions in Accident Cases 79 

Accidental Death by Poison Implies an 

External and Violent Agency 79 

Accidental Drowning and Proof 79 

Accidental Injury Superinducing Fatal Dis- 
ease' 8a 

Agent's Actual Knowledge is Notice to the 

Principal 8x 

Baggage Checker Boarding Moving 
Trains 



THE INSURANCE YEAR BOOK. 



Pagb 

Complete Paralysis of the Feet 79 

Days of Grace on Preaiiuin Notes 80 

Death Without Mark of lojury 89 

Hunting for Recreation not an Occupation. 83 

Poisonous " Bacillus Anthrax " 80 

Provision of Policy Barred Recovery 8z 

Suicide or Accident 8t 

Wh n Limited Time for Bringing Action 

Begins 80 

Decisions Relating to Life Insurance 66 

Action Not Barred and Proper Instructions 

to the Jury 75 

Agent's Power to Receive Dues When Main 

Officeis Distant 73 

Agent's Renewal Commissions 67 

Agent Sued the Insured on a Prtemium 

Note 71 

Assignment of Policy to a Creditor 71 

Assignment to a Creditor did not Secure 

His Claim 75 

Collecting Agent not Authorized to Waive 

Policy Conditions, A 73 

Creditor's Interest in Policy on the Lite of 

His Debtor 67 

False Answer Was a Breach of Warranty. 69 
Fkom Quarterly to Annual Payments, and 

No Forfeiture 67 

How Creditors May Secure Excess Insur- 
ance Over Wife's Statutory Rights 73 

Impairment of Health or Delirium Tre- 
mens 67 

Insured Can 1^11 the Policy Away from 

the Beoefidaiy Named 76 

Int<>rest Chargeable by Implication 76 

Liability of Sureties on Agent's Bond 73 

Non-payment of Premium at Maturity. • • . 77 
No Premium Paid, Yet Company Liable. . 71 
Not a Mortgage, but an Absolute Sale. ... 79 

Not an Adverse Qaimant. 74 

Ordinance Imposing License Tax on Some 

Agents Only is Void 78 

Policy Expired When Premium was Not 

Paid on a Stated Day 78 

Policy Payable to a Trustee or His Legal 

Representative 75 

Policy Surrendered Through Fraud 70 

Possession of the Policy Necessary lor a 

Recovery 71 

Powers of a Married Woman to Assign. . . 75 
Release Was Not Against Public Pohcy. .. 73 
Rights of Wife and Children, and of 

Creditors 66 

Righte of Wife as Beneficiary 78 

Smdde Not Barred by the Ohio Statutes. . 68 

Suicide Voids the Policy. 76 

Supplying Omission of Beneficiary's Name 

in the Policy 68 

" Their Chilclren " Means Children Com- 
mon to Bo t h 68 

Widow Does Not Become a Beneficiary as 

a'*LegalHeir" 70 

Definitive Analysis of life Insurance Returns. . 

336-491 

Delaware Insurance Agents 430 

Delaware, Life Insurance in sia 

Delaware, Statutory Requirements 38 

Digest of Insurance Decisions 66 

Directors and Trustees in the United States of 
Foreign Miscellaneous Insurance Compa- 
nies 150 

Directors and Trustees of United States Life In- 
surance Companies Z44 

Directors and Trustees uf United States Mis- 
cellaneous Insurance Companies 150 

Directors and Trusrees of Industrial Life Insur- 
ance Companies of the United States 144 

Distribution ot Surplus, Insurance Values and. 4x1 

District of Columbia Insurance Agents 490 

District of Columbia, Life Insurance in 313 

District of Columbia, Statutory Requirements. . 39 
Dominion of Canada Insurance Agents 



Pagb 

Doubtful Companies of Great Britain zo8 

Dutch Life Insurance Companies, Statistics ot. 1x5 

Endowment Policies, Rates of Premium zoi 

Equation of Life 909 

Exhibit of Transactions of United States Life 

Insurance Companies for Ten Years zao 

Extracta From the American Experience Table . 

of Mortality z^ 

Extracts From the Combined Experience Mor- 
tality Table 909 

Failed or Retired Life Insurance Companies of 
the United States that have Z42 

Fidelity Insurance Companies in the United 
States ap3 

Field Men Z51 

Financial Condition of and Business Transact- 
ed by Life Insurance Companies for Thirty 
Years Z34 

Finaodal Standing and Business of all United 
States Life Insurance Companies in Z890. . Z38 

Florida Insurance Agents 42Z 

Florida, Life Insurance in 2x3 

Florida, Statutory RequiremenU 39 

Foreign Life Insurance Companies, AaseU, 
Policies and Claims of Canadian Branches 
of 89 

Foreign Life Insurance Companies, in Great 
Britain, Managers of. zo8 

Foreign Miscellaneous Insurance Companies. 
Directors and Trustees in the United 
Statesof X50 

Forms of Insurance, Comparative Tables 
Showing Rates Charged for Different. .••• Z53 

France, Life Insurance in xyz 

General Agents of Miscellaneous Insurance 

Companies in the United States zsz 

Georgia Insurance Agents 431 

Georgia, Life Insurance in 3x3 

Georgia, Statutory Requirements 39 

Germany. Life Insurance in zx5 

Great Britain, Accident Insurance in xx4 

Great Britain. Directory of Insurance Compa- 
nies in — Life, Fire, Miscellaneous xoo 

Great Britain, Doubtful Insurance Companies 

of X08 

Great Britain, Foreign Insurance Companies 

Transacting Business in xo8 

Great Britain, Life Insurance in.. xoo, Z07, 108, 

XO9, 1X2 

Great Britain, Miscellaneous Insurance in XX4 

Great Britain, New Business of Life Insurance 

Offices of X09 

Great Bri'ain, New Insurance Companies of... X07 
Great Britain, Officers of Actuarial Societies of. xos 
GreAt Britain, Statistics of Accident Insurance 

Companies in 1x4 

Great Britain, Statistics of Life Insurance Com- 
panies of •« X09 

History, Life Insurance 393*345 

Holland, Life Insurance in xx5 

Idaho Insurance A gents 433 

Idaho, Life Insurance in 2x2 

lihnois Insurance Agents 423 

Illmois, Life insurance In az2 

Illinois, Statutory Requirements 41 

Independent Adjusters 453 

Indiana Insurance Agenta 431 

Indiana, Life Insurance in 2x3 

Indiana, Statutorv Requirements 41 

Indian Tenitory Insurance Agents 435 

Industrial Insurance, Rates of Premium X99 

Industrial Life Business, British zx2 

Industrial Life Insurance 33, zza, zaz, Z23. 

za4, Z97. za9, Z3Z, Z33. 139 

Industrial Life Insurance in the United States. 

Directora and Trustees of Insurance Com- 
panies of the United States Z44 



THE INSURANCE YEAR BOOK. 



Pagb 
ladDilftel LIfc Inmnmceni the United States— 
Slatisrics of Imunace C< mpanies off the 

United Sutes....i3i. 123. 134, 137. Z99. 

13X. »33 

Insontftce Agents, List ot 4x3 

Insurance Companies in Great Britain 100 

Insurance Companies Licensed to do Business 

- m Canada, List oi §5 

Insurance in Canada 83 

Insurance, the Time to Obtain Z07 

Insurance Vahies and Distribution of Surplus. . 421 

Investment Insurance 189 

Iowa Insurance Agents 435 

Iowa, Ufelnsuratioe in 9x4 

Iowa, Statutory Requirements 4^ 

Italy. Life Insurance in XX7 

It IS Wen Understood. 65 

Kansas Insurance Agents. • 440 

Kauas, Life Insurance in 314 

Kansu, Statutory Reonirements 43 

Kentucky Insurance Agents 443 

Kentucky, Life Insurance in 315 

Kentucky, Statutory Requirements. 43 

Legislatores, State and Territorial 39a 

Lioeosed to do Business in Canada, List of In- 
surance Companies 95 

Life, E<inadonof 309 

Life Insurance by States 309-335 

Life Insurance Companies, Analysis of the 
Assetoof. X4X 

Life Insurance Companies of Austria, Statis- 
tics oi Z18 

Life Insurance Companies of France, Statistics 
of. X17 

Life Insurance Companies of Germany, Statis- 
tics of xis 

Life Insurance Companies of Italy, Statistics of xz7 

Life Insurance Companies of Roumania, Sta- 
tistics of X16 

Life Insurance Companies of Russia, Statistics 
of 1x6 

Life Insurance Companies of Scandinavia, Sta- 
tistics of.... ^^ 1x6 

life Insurance Companies of Switzerland, Sta- 
tistics of xx8 

Life Insurance Companies of the U. S., in the 
Hands of Receivers X44 

Life Insurance Companies in the United States, 
Statistics for Ten Years iao-X33 

Life Insurance Companies, Tabulated Results 
oi United States. 408 

Life Insur;«nce Comjparies that have Ceased to 
do Business m Canada, List of. 98 

Life Insurance Companies that have Failed or 
Retired X43 

Life Insurance for Ten Years, Aggregates of. . X33 

Life Insurance for Thirty Years X34 

Life Insurance for Twenty-three Years, Synop- 
sis of. X40 

Life Insurance History 993-345 

Lite Insurance in Austria— 

Statisticsof Insurance Companies of Austtia 1x8 

Life Insurance in Canada— 

Agents or Managers of Canadian Branches 

of British Insurance Companies 95 

Agents or Managers of Canadinn Branches 

of United States Insurance Companies. . 95 
Assets, POlici«>s and Claims— 

Canadian Insurance Companies 86 

Canadian Branches of British Companies 89 
Canadian Branches of U.S. Companies 9X 
Businesa and Standing of Canadian Life 

Insurance Companies 84 

Chief Agents of Insurance Companies Li- 
censed in Canada. ... « 95 

Companies Licensed to Do Business in 

CuMKla. 9S 

Companfes Permitted to Transact Business 
fai Cmada upon the Assessment Plan.. • 99 



Pagb 
Companies Aat have Ceased to Transact 

New Business in Canada 08 

Ofllcers of Canadian Insurance Companies 84 
Officials Having Authority in Insurance 

Matters 1x9 

What is Required of Insurance Companies 

Doing Business in the Dominion 83 

Life InsoraDce in France- 
Statistics of Insurance Companies of France XX7 
Life Insurance in Germans- 
Statistics of Ins. Companies of Germany. . xx5 
Life Insurance in Great Biitain— 

Business of Industrial Insurance Compa- 
nies and Friendly Societies from 1885-^ xxa 
Companies ot Uncertain Address or of 

Doub'ful Eiistence xo8 

Directory of Insurance Companies of Great 

Britain xoo 

List of Foreign Life Insurance Companies 

Transacting Business in Great Britain. . . xo8 
List of Managers or Agents of Foreign In- 
surance Companies Transacting Business 

in Great Britain xo8 

List of Maoacers or Secretaries of Bridsh 

Insurance Companies xoo 

List of New Insurance Companies of Great 

Britain X07 

New Business of British Insurance Com- 
panies and United States Insurance 

Companies in Great Britain X09 

Officers of Actuarial Societies of Great 

Britain X05 

RecdpU, Expenditures, etc., of Accident 
Insurance Companies of Great Britain. . . xx4 

Life Insurance in Holland XX5 

Life Insurance in Italy — 

Statistics of Insurance Companies of Italy. 117 
Life Insurance in Roumania— 

Statistics of Insurance Companies of Rou- 
mania ...• xx6 

Life Insurance in Russia- 
Statistics of Insurance Companies of Russia xx6 
Life Insurance in Scandinavia — 

Statistics of Insurance Companies of Scan- 
dinavia 1x6 

Life In<>urance in Switzerland — 

Statistics of Insurance Companies of Swlt- 

serland xx8 

Life Insurance in the United States- 
Aggregates of United States Insurance 

Companies for Ten Years X33 

Analysis of the Assets of Insurance Compa- 
nies X4X 

Anuual Payments to Policyholders for 

Twenty Years X36 

Companies in Process of Winding Up.... X44 

Companies in the Hands of Receivers X44 

Companies tiiat have Failed or Retired. . . . X43 
Definitive Analysis of Life Insurance Re- 
turns 336-391 

Digest of Insurance Decisions 06 

Diiectors and TrusUes of Insurance Com- 
panies of tbe United States X44 

Directory of Insura* ce Agents 413 

Exhibit of Transactions of United States 

Insurance Companies for Ten Years. X30-X33 
Financial Condition and Amount of Busi- 
ness Transacted by Insur^ce Companies 
Reporting to New Yoric Insurance De- 
partment from x86x to 1890, Inclusive.. . . X34 

Financial Standing and Business in 1890 of 
all U. S. Insurance Companies. ....... X38 

Income, Payments to Policyholders and 
Accumulation of Assets in Twen^r-three 
Years of Twenty- five Insurance Compa- 
nies Reporting to New York Insurance 

Department X40 

Insurance by States. ao^^s 

Life Insurance in the United States- 
Life Insurance Ratios 346^4x0 

Officers of Underwriters Organisations.... 184 



THE INSURANCE YEAR BOOK. 



Pagb 
Officers of U. S. Insurance ComiMUiies. . . . zao 
Policies Wnften, Premiums and Losses of 
Companies and Amount in Force l^ 

Stales ao9 

Receivers^ or Other Persons in Charge of 
Insurance Companies Winding Up, List 

ot 144 

Results of the Opi'rations of Insurance 
Companies from Their Commencement 

to December 31, 1890 408 

Retired Insurance Companies 243 

State and Territorial Legislatures 

State Officials Having Authority in Insur- 
ance Matters 1x9 

Statisdcs of Insurance for Thirty Years. . . . 134 
Statistics of United States Insurance Com- 
panies for Ten Years zao 

Statutory Requirements 53 

Synopsis of Insurance for Twenty-three 

Years 140 

Synopsis of Payments to Policyholders in 

Twenty years 136 

Tabulated Results of Insurance Companies 

from Commencement to 1890 408 

Transactions of United States Insurance 

Companies for Ten Years lao 

Underwriters Organizations, Officers of . . . . 148 

Business of • 109 

Life Insurance Offices of Great Britain 109 

Life Insurance Rados 34^4ZO 

Admitted Assets 354 

Admitted Surplus ,« 368 

All Other Assets 364 

All Other Pohcies 391 

Assets to Liabilities 37a 

Business of 1890 35a 

Cash on Hand 36a 

Collateral Loans 360 

Combined Aggregates 407 

Cost of New Business 400 

Death Claims and Expenses to Mean Insur- 
ance 395 

Death Claims and Expenses to Total In- 
come 397 

Death Rate 393 

Deferred and Unpaid Premiums 3^ 

Dividends to Policyholders 403 

Endowment Policies 390 

Expenses of Management 379 

Expenses to Mean Insurance 394 

Foreign Business 410 

Gross Assets and Surplus 373 

Gross Expenses to Total Income 396 

Income Saved 383 

Increase m Assets, Liabilities and Surplus. 370 

Increase in Disbursements 38Z 

Increase in Income 377 

Insurance Gained 387 

Insurance in Force 388 

Insurance Placed , 386 

Interest and Other Income 375 

I n troduction 346 

Lapsed and Surrendered Policies 39a 

Listof Companies 350 

Mortgage Loans 357 

Net Assets to Reserves 371 

Net Expenses to New Business 399 

Net Expenses to Total Income 398 

Net or Invested Assets 365 

New Business 384 

Notes 348 

Payments to Policy tiolders 378 

Policies Terminated 384 

Premium Income 374 

Premium Notes and Loans to Policyholders 361 

Rate of Interest Earned 403 

Rate of Interest Realised 40Z 

Ratio Summary 404 

Real Estate 356 

Results From Organisation 408 

Stocks and Bonds 359 



Pack 

Total Disbursements 380 

Total Income. . , 376 

ToUl LiabiUties. Z890 367 

Total Liabilities. 189Z 366 

United States Securities 358 

Whole Life Policies 389 

Life Insurance Returns, Definitive Analysis 

of 9a6-a9Z 

Life, Maximum Amount of Insurance Cai^ 

ried on a Single Z70 

Life Rate Endowment Policy, Suirender 

Values 188 

Life Underwriters Organizations of the U. S., 

Officers of. X48 

Live Stock Insurance Companies of the United 

States 907 

Louisiana Insurance Agents 445 

Louisiana, Life Insurance in az4 

Louisiana, Statutory Requirements. 44 

Maine Insurance Agents 446 

Maine, Life Insurance in az4 

Maine, Statutory Requirements 45 

Managers of British Life Insurance Compa- 
nies zoo 

Managers of British Miscellaneous Insurance 

Companies zoo 

Managers of Foreign Life Insurance Compa- 
nies in Grrat Britain... xo8 

Managers ot Miscellaneous Insurance Compa- 
nies in the United States Z5Z 

Manitoba Insurance Agents 44S 

Maryland Insurance Agents 447 

Maryland, Life Insurance in 2Z5 

Maryland, Statutory Requirements 46 

Massachusetts Insurance Agents 44S 

Massachusetts, Life Insurance in azs 

Massachusetts, Statutory Requirements 416 

Maximum Amount of Insurance Carried on a 

Single Life 170 

Michigan Insurance Agenta 453 

Michigan, Life Insurance in 3z6 

Michigan, Statutory Requirements 47 

Minnesota Insurance Agents • 455 

Mmnesota, Life Insurance in • . . . . 334 

Minnesota, Statutory Requirements. 48 

Miscellaneous Insurance in Canada- 
Agents or Managers of Canadian Branches 
of British and United States Insurance 

Companies 94 

Chief Agents of Insurance Companies Li- 

censedin Canada 95 

Companies Licensed to do Business in 

Canada 95 

Officers of Canadian Insurance Compa- 
nies 93 

Statistics of Canadian Branches of British 

and United States Insurance Companies. 94 
Statistics of Canadian Insurance Compa- 
nies 93 

Miscellaneous Insurance in Great Britain- 
Receipts, Expenditures, etc., of Insnranoe 

Companies of Great Britain Z14 

Miscellaneous Insurance in the United States- 
Accident Insurance Companies, Stock and 

Mutual, m the U.S aoa, ao8 

Directors and Trustees of Insurance Com- 
panies in the United States Z50 

Fidelity Insurance Compames, Stoclc, in the 

United States 203 

Field Men Z5z 

General Agents of Insurance Companies in 

the United States Z5Z 

Live Stock Insurance Companies in the 

UnitedS:ates ao7 ^ 

Managers of Insurance Companies in the 

United States... z5z 

Mutual Insurance Companies In the United 

States 908 

Plate Glass Insurance Companies, Stock 
and Mutual, in the United States, 904-208 



THE INSURANCE YEAR BOOK. 



Pagb 
Raal Estate Insurance Companies, Stock, 

in the United States 906 

Special Agents of Insorance Companies in 

the United Sutes 151 

Stetm Boiler Insniaoce Companies, Stock 

and Mutual, in the United States 9p5-9o8 

Statistics of Live Stock Insurance Com- 
panies in the United States 907 

Statistics of Mutual Accident Insurance 

Companies in the United States 908 

Statistics oi Mutual Insurance Companies 

in the United States 908 

Statistics of Mutual Plate Glass Insurance 

Company in the United States 908 

Statistics of Mutual Steam Boiler Insurance 

Companies in the United States 908 

Statistics of Stock Accident Insurance Com- 
panies in the United States 9oa 

Statistics of Stock Fidelity Insurance Com- 
panies in the United States 903 

Statistics of Stock Insurance Companies in 

the United SUtes « 9oa 

Statistics of Stock Plate Glass Insurance 

Companies in the United States 904 

Statistics of Stock Real Estate Insurance 

Companies in the United States 906 

Starisdcs of Stock Steam Boiler Insturance 

Companies in the United States 905 

Stock Insurance Companies in the United 

Stares 909 

Misnssippi Insurance Agents 457 

Mississippi, Life Insurance in 9x7 

Mini&sippi, Statutory Requirements 48 

Missonn Insurance Agents 457 

Missouri. Life Insurance in 9x7 

Misiouri, Statutory Requfxements ^ 

Montana Insurance Agents 400 

Montana, Life Insurance in 9x6 

Montana, Statutory Requirements 50 

Monailtj, Extract from the American Kzperi* 

enoe Table of X65 

MoitaUty Table, Extracts from the Combined 

Escperience •.....•...• 909 

Mutual Aoadent Insurance Company in the 

United States 908 

Mutual Miscellaneous Insurance Companies in 

the United States 908 

Mutual Plate Glass Insurance Company in the 

United States 908 

Mutual Steamboiler Insurance Companies in 
the United States 908 

Nebraska Insurance Agents 46X 

Nebraslca, Life Insurance in 9x7 

Nebrasiw, Statutory RequiremenU 51 

Net Premiiuns, American Experience, 4H per 

cent X57 

Net Premtums, Combined Experience, 4 per 

cent X57 

Net Vahirs of Ordinary Whole Life Policy. . . . aox 

Nersda Insurance Agents 463 

Nevada, Life Insurance in 9x7 

Nevada, Statutory Requiremenu 5x 

New Brunswick Insurance Agents 

New Business of Life Insurance Offices of 

Great Britain X09 

New Business of United States Life Insurance 

Companies in Great Britain X09 

New Insurance Companies of Great Britain. . . 107 

New Hampshire Insurance Agents. 41^ 

New Hampshire, Life insurance in 9x8 

New Hampshire, Statutory Requirements 59 

New Jersey Insurance Agents 464 

New Jersey, Life Insurance in 9x8 

New Jersey, Statutory Requirements 59 

New Mexico Insurance Agents 406 

New Mexico, Life Insurance in 919 

New Mexico, Statutory Requiremenu 53 

New York Insurance AgenU 407 

New York, Life insurance in 9x8 

New York, Statutory Requirementa 54 



Page 

North Caroliita Insurance Agents 473 

North Carolina, Life Insurance in 9x9 

North Carolina, Statutory Rrquirements 54 

North Dakota Insurance Agents 474 

North Dakota, Life Insurance in 9x9 

North Dakota, Statutory Requirements. 55 

Officials Having Authority in Insurance Mat- 
ten XX9 

Ohio Insurance Agents 475 

Ohio, Life Insurance in 990 

Ohio, Statutory Requirements., 5^ 

Ordinary Whole Ufie Policy. Continuous Pay- 
ment, Kates of Premium XS4 

Ordinary Whole Life Policy, Net Values of. . . aox 
Ordinary Whole Life Pblicy, Surrender Values X74 

Oregon Insurance Agents 480 

Oregon, Life Insurance in aax 

Oregon, Statutory Requirements 57 

Paymenta to Life Policyholdera in Twenty 

Years, Sjmopsis of x^ 

Pennsylvania Insurance Agents 480 

Pennsylvania, Life Insurance in aax 

Pennsylvania, Statutory Requirements 58 

Plate Glass Insurance Companies of the United 

States, Officers of Stock 904 

Plate Glass Insurance Companies of the United 

States, Statistics of Stock 904 

Plate Glass Insurance Company of the United 

Stafes,. Officers ol a Mutual 908 

Plate Glass Insurance Company of the United 

States, Statistics of a Mutual 908 

Policies Written by. Insurance in Force, Pre- 
miums and Losses of Life Insurance Com- 
panies 8x0-995 

Populstion, Relative Rank of States and Ter- 
ritories in 99 

Premium Rates X53 

Present V^lue of an Annuity of $x aoo 

Publishers Prefece 17 

Rates Charged for Difierent Forms of Insur- 
ance, Comparative Table Showing X53 

Rates of Premium X53 

Annuity Rates X7X 

Endowment Policies x6x 

Indus rial Insurance X99 

Ordinary Whole Life Policy, Continuous 

Payment XS4 

Single Premiums, Whole Life Policies. ... X73 

Term Insurance x66, X97 

Whole Life Policies X58 

Ratios, Life Insurance 34^io 

Real Estate Insurance Companies of the 

United States 9q6 

Recent Decisions of the United States and 

State Courts in Insurance Cases ^ • . 66 

Relative Rank of States and Territories in Pop- 
ulation 99 

Retired Insurance Companies of the United 

States, List of. X49 

Rhode Island Insurance Agents 485 

Rhode Island, Life Insurance in 990 

Rhode Island, Statutory Requirements 58 

Roumania, Life Insurance in xx6 

Russia, Life Insurance in xx6 

Scandinavia, Life Insurance in xx6 

Secretaries of British Life Insurance Com- 
panies 100 

Secretaries of British Miscellaneous Insurance 

Companies xoo 

Single Life, Maximum Amount of Insurance 

Carried on a X70 

Single Premiums, Whole Life Policies X73 

South Carolina Insurance Agents 485 

South Carolina, Life Insurance in sax 

South Carolina, Statutory Requirements 59 

South Dakota Insurance Agents 486 

South Dakota, Life Insurance in 999 



10 



THE INSURANCE YEAR BOOK. 



Pagb 

South Dakota* Statutory Requiraneati. 59 

Spnin, Life Insurance in xx6 

Special Agcn's of Miscellaneous Insurance 

Companies of the United States 151 

State and Territorial Legislatures 999 

State OfiKdals Having Authority in Insurance 

Matters, List of no 

State Organisations of Life Underwriters 148 

Slates and Teiritories in Population, Relative 

Rankof 99 

State Organisations of Life Underwriters. Offi- 
cers of. 148 

Statutory Rf quirements 33-05 

Steam Boiler Insurance Companies of the 

United States. Mutual 908 

Steam Boiler Insursnce Companies of the 

United Scates. Stock ao5 

Surplus, Insurance Values and Distribution of. 4x1 
Surrender Values, Life Rate Endomnent 

PoUcy 188 

Surrender Values, Ordinary Whole Life Policy 1741 

Switserland, Life Insurance in xk8 

Synopsis of Life Insurance for Twenty-three 

Years X40 

Synopsis of Payments to Life Policyholders in 

Twenty YeazB 136 

Table of Mortality, Extracts from the American 

Rzperienoe 165 

Table of Mortality, Extracts from the Com- 
bined Experience 909 

Tables Showing Rates Charged for Different 

Forms of Insurance, Comparative 153 

Tabulated Results of United SUtes Life Insur- 
ance Companies 408 

Tennessee Insurance Agents 487 

Tennessee, Life Insurancem aaa 

Tennessee, Statutory Requirements. 60 

Term Insurance, Annual Premium per $zooo. . x66 

Territorial Legislatures, State and 092 

Territories in Population, Relative Rank of 

States and 09 

Texas Insurance Agents 489 

Texas, Life Insurance in 223 

Texas, Statutory Requirements 6z 

The Field Men 151 

Their Canital zi8 

Time to obtain Insurance, The 107 

Trustees of Life Insurance Companies of the 
United States 144 

Understood, It isWdl 6>; 

Underwriters Organisations. Officers of 148 

United States, Indus'rial Life Insurance in. . . . 

Z20. Z93. 124. 127. Z29, 13X, Z33, 139 

United States Life Insurance Companies, As- 
sets, Policies and Claims ot Canadian 
Branches of. 89 



Pagb 

United States Life Insurance Companies, Di- 
TCCton and Trustee of 144 

United States Life Insurance Companies in 
Great Britain, New Business of. Z09 

United States Life Insurance Companies in the 
Hands of Receivers, List of X44 

United States Life Insurance Companies Li- 
censed in Canada, Chief Agents of 95 

United States Life Insurance Companies, Offi- 
cers ot Z90 

United States Life Insurance Companies, Star 
tistics of X20 

United States Life Insurance Companies, Tab- 
ulated Resultsof. 408 

Umted States Life Insurance Companfes That 
Have Failed or Retired, List Of i 242 

United States, Life Insurance in 33* ^1 

ZZ9, Z90 

United States Misoellaaeous Insurance Compa- 
nies. Chief Agents of Canadian Branches. . 94 

United States Miscellaneous Insurance Compap 
nies, Directors and Trustees of. X50 

United S«atrs Miscellaneous Insurance Com- 
panies. Su«istics of Canadian Branches,. . 94 

Unitod States, Miscellaneous Insurance in 

33» 250, Z5Z, aoa 

United States, Mutual MisceUaceous Insurance 
Conopanies in the 208 

United States. Stock Miscellaneous Insurance 
Companies in the aoa 

Utah Insurance Agents 492 

Utah, Life Insurance in 223 

Utah, Statutory Requirements 6x 

Vermont Insurance Agents. 493 

Vermont, Life Insurance in a2a 

Vermont, Statutory Rrquirements 62 

Virginia Insurance Agenu 493 

Virginia, Lite Insurance in 223 

Virginia, Statutory Requirements 62 

Washmgton Insurance Agents 495 

Wasbingron, Life Insurance in 223 

Washington . Statutory Requirements ^ 

We^t Virginia Insurance Agents 496 

West Virginia, Life Insurance in 224 

West Virginia, Statutory Requirements 63 

What is Reouired of Companies Doing Busi- 
ness in the Dominion 83 

What the Various States and Territories Re- 
quire of Companies 39 

Whole Life Policies, Rates of Premium Z58 

Whole L^fe Policies. Single Premiums 173 

Wisconsin Insurance Agents 497 

Wisconsin, Life Insurance in 225 

Wisconsin, Statutory Requirements 64 

Wyoming Insurance Agents 499 

Wyoming. Life Insurance in 225 

Wyoming, Statutory Requirements 65 



Index to Advertisers.* 



Pagb 

MtPtL Life Insnraoce Company, Hartford . • vi 

Ackerman, Deyo & HQliard, New York. ... 470 

AiericaltuTBl Ids. Co., Watertown, N. Y. . . . zxiii 

Aifri* nd, Tbos. L. , Richmond, Va 494 

AUtance Ins. Assodati' n, New York. ^x 

Amaxon iDsnrsnoe ComMny, Cincinnati... zzzviii 

Ambers File a* d Ind^x Co. , New York a4b 

American Employers Liabilit? Ins. Co., N.Y z6 
American Casoalty Insurance ft Security 

Company, Baltimore, Md liz 

American Fire Insurance Co., New York. . . i 

American Fire Insurance Co., Philadslpbia. a4f 

Americaii Insurance Company, Wheeling. . Uv 

American Surety Co., New York 38 

Angirr, Clarence, Atlanta, Ga 421 

Armstrong Insurance Co., New York Ivii 

Ass'd Man. Mnt Fire Ins. Co., MoHne. lU. zlvii 

Atlanta Home Insurance Co., Atlanta zzi 

Aurora Fire Ins. Co., Harrisbnt rii, Pa U 

Automatic Fire Alarm & Extinguisher Co. . a4d 

Baird. C. T., Lomsrille. Kv 444 

Baldwin, B. L.. Kearney, K^b 30S 

BaMwin. Henry W., New Yori^ 490 

Beers, Keaison ft Co., Galveston, Texas. . . 490 

Bd.steio. J. W.. Louisville. Ky 444 

Bertshire Life Ins. Co. , Pittsfield, Mass xv 

Blacge, J. H.. Galveston, Texas 490 

Bkwdworth, T. H. P., Atlanta, Ga 4az 

Bowes ft Han, Washington, D. C 4^ 

Bowles, T. H., New Orleans 446 

Boylston Insurance Company, Boston ix 

Brano, Max, New Orleans, La 446 

Bristol. J LD., New York 470 

Bristol, Jc^n I. D., Gen. Special Agt, N.Y. a< 

British American Assurance Co., Toronto. . ziii 

Broadway Insurance Co., New York Iviii 

Brooklyn Life Insorance Co., New York ... xxi 

Brown. Craig ft Co., San Fkandsoo, Cal. . . 417 

Brown, Samuel W., Boston 449 

Brown, Wm. C, Chicago 424 

Brown ft Vater, Chicago 424, as 

Bmehl, R. A. W. ft Son, Cincinnati 476 

Buckley, O. H. ft W. A., Managers, Boston. 35 

Campbell, T. S., Louisville, Kv 505 

Canada Life Assurance Co. , Hamilton xvil 

Capital Oty Ins. Co., Ha-risburgfa, Pa.... liU 

Capital City Ins. Co . Montgt mery, Ala.. . . xl 

Cary, J. B., ft Son. Richmond, Va 494 

Central City Ins« Co. , Selma, Ala xli 

Cent. Ohk> Mut F. Ass'n, Columbus, O.... 1 

Chap ck. J. C, ft Co., Chicago 424 

Cinciniiati Insurance Co. , Cincinnati xl 

Citisens Insurance Co., Evansville, Ind . . . . xlvi 

Ci'isens Insurance Company, Pittsburgh... xlix 

Citisens Ins. Co. . of Canada, M ontreai. ... xix 

City of London Fire Ins. Co., Ltd., London. viii 

Clark, J. H. ft Co., Chicago 425 

Columbia F. ft M. Ins. Co., Portland, Ore. xxviii 

Collins, Greene ft Co., Chicago 425 

Commercial F. Ins. Co., Montgomery, Ala. xxxl 

Commercial Alliance L. Ins. Co. , New York. B 

Commercial Union Insurance Co., Lor don. Iviii 

ConnectiGut General Lite Ids. Co., Hartlord. vii 

Connecticut Mutual Lite Ins. Co., Hartford. iv 

Cotton. S. O., ft Bro., Houston, Texas 491 

Covenant Munial Ufe Ins. Co., St Louis. . xxv 

Cox. Cbas. D., Chicago 435 

CraadaD.G. L., New Orleans 446 

Crescent Insurs«nce Co., New Orleans xxxv 

Cross, A. T., Manager, Philadelphia. xlvii 

Cunningham, A T., Atlanta, Ga 431 

Cunningham, Tboi. S., Chicago 425 

Dakota F. ft M. Ins. Co., MitdieH, S. D. . . xlv 

Danlonb, J. L. ft Co., Louisville, Ky 444 

Dnr, J. B., San Antonio, Texas 492 

Dehware Ins. Co., Philadelphia 24 



Pagb 

De Roode, Holger, Chicago 425 

Des Momes Ins. Co. , Des Moioes, la xliv 

Dexter, R. P., Montgomery, Ala 413 

Dexter ft Co., Dallas, Texas 4^9 

Downing, J. M.. Philadelphia 483 

Dunlap&Co., New York 24a 

Dwi^t, E.Jr., New York 470 

East Tennessee Insurance Co., Knoxville. . xxxi 

Easton, Geo. ft Co., San Francisco, Cal. .. 417 

Etwes, F. P. ft Co.. Chicago 25 

Ely, Addison. Rutherford, N.J 50^ 

Emptoyers Liability Ins. Corp. of London.. 13 

Equitable Fire Ins. Co., Nashville. Tenn. . . xlfi 

Equitable Ufe Assurance Soc'y. New York . C 

Eureka Fire and Marine Ins. Co., Cin xxxix 

Evansville Ins. Co., Evansville, Ind xlvi 

Exchange Fire Insurance Co.. New York. . 23 

Fairmount Ins. Ass'n., Philadelphia xlviii 

Furragut Fire Insurance Company. N.Y... Iviii 

Fenno ft Smith, Chicago 4^5 

Fidelity and Casualty Company. New York.. 27 

Fire Association, Waco, Tex xlv 

Fire Insurance Assodatton of New York. . . IvU 

Firemens Ins. Co., Dayton, O zliz 

Life Insurance Publications, The Spectator 

Company, New York x 

Firemens Insurance Company, Cincinnati. . xxxix 

Firemens Insurance Co. , New Orleans. .... xxxvi 

Franklin Fire Insuraoce Co., Philadelphia.. xii 

Franklin Ins. Co. , Evansville, Ind xlvi 

FranUin Ins. Co.. WheeUng. W. Va. Ivi 

Fteeman, W. M., Dallas, Tex 490 

Georgia Home Ins. Co., Columbus, Ga — xxix 

Germania Fire Ins. Co., New York 4 

German Fire Ins. Co., Wheeling Uv 

German American Ins. Co., New York A 

German Ins. Co., Freeport. Ill xxxiii 

Girard Fire Ins. Co. , Philsdelphia. xl 

Globe Ins. Co., Cincinnati xxxix 

Goble L. SpeDcer, State Agent, New York. 25 

Godfrey ft Cailawav. San Antonio, Tex. ... 49^ 

Goodwin, W. F., Cfincinnati, 475 

Gorham Mfg. Co., New York. 24h 

Granite State Ins. Co., Portsmouth, N. H.. xx 

Grart, G. F.. San Francisco. Cal 427 

Griffin, Henry, New York 47© 

Guarantee Co. of N. A., Montreal, Can. . . xviii 

Hammond, Fry ft Co., Chicago 4^5 

Hammond Type- Writer Co., New York. . . 24c 
Handy Guide to Premiums, Rates and PoU- 

des. The Spbct ATOK Company 23 

Hardenburgfa, John P.. New York 470 

Harris, Iheo.. New York 506 

Hart, A. W., Louisville, K7 444 and 506 

Hartford Fire Insurance Co.. Hartford v 

Heath. Chas. E.. Philadelphia 483 

Herring ft Co., New York 24b 

Hirchcock, H. P., Akron. 475 

Hobbs. H. H., New York 506 

Home Fire Ins. Co. , Seatde. Wash xxvil 

Home Inf urance Co. , New York aa 

Home Life Insurance Co., New York 2 

Hooven. J. G.. Philadelphia 483 

Hudson River F. ft M. Ins. Co., Jersey 

City iii 

Hughes ft Stowe, Galveston , Texas 490 

Ide, Edwin P., Brooklyn and New York . . .467, 470 

Ins. Co. of North American, Philadelphia. . x 
Iron District F. Ins. Co. of Spartanburgh, 

S. C xlvU 

Jackson. J. W.. Nashville, Tenn 488 

Jefferson Insurance Co., Wheeling Iv 

John Hancock Mut. Life Ins. Co., Boston. 440 

Jones, Robin, Nashville, Tenn 488 



12 



THE INSURANCE YEAR BOOK 



Pagb 

JordAo. Lovett & Co., Boston 449 

Judd ft Parsons, Holyoke, Mass 4SO 

Kansas Farmers F. Ins. Co., Abilene, Kan.. xWiii 

Kehlbeck, J. A., New York 471 

Keller, Thomas D. . Pittsburgh, Pa. 483 

Kenny & Ratdiffe, G^n'I AgenU, N. Y 35 

King, Workman & Co., Springfield, 111 430 

Kirkpatrick, J. Bayard. New Brunswick .... 465 

Knowles, Clarence, Atlanta, Ga 43a 

KnoxviHe Fite Ins. Co., KnoxvUle, Tenn... sb 

Knimbhaar ft Co., New Orleans, La 446 

Lancashire Insurance Company, Manches- . 

ter az 

Lawyers Title Ins. Co., N. Y a4g 

Leonard. H. M.. Dallas, Texas 490 

Lewis, James M., New York , 470 

Liberty insurance Co. , New York vii 

Life Indemnity ft Investment Co., Sioux 

City, Iowa xlv 

Life Insurance Company of Va., Richmond, xxxii 

Undsley Handford, 6en*l Agent, N. Y 25 

Liveipool and London and C^obe Ins. Co. . 99 
Liverpool and London and Globe, Southern 

Department, New Orleans 446 

Lloyds Plate Glass Ins. Co., N. Y 508 

London Assurance Corporation, London ... 340 

Macon Insurance Co., Macon, Ga xxix 

Manchester F. Assurance Co. of Manches- 
ter, Eng iii 

Manhattan L.ife Insurance Co., New York.. xiii 

Manufacturers Ins. Ass'n. , Chicago 425 

Manufacturers and Mer. Mut., Rockford, III. xuv 

Manuiacturers Mutual, Akron, O liii 

Maries, Ferdinand, New Orleans 446 

Massachusetts Mut. L. Ins. Co., Springfield xvi 

Matthis, H. M., Montgomery, Ala 4x4 

Maury ft Donnelly, Baltimore 448 

McCausland. Juhn, Rondout, N. Y 506 

McCullen, B. Jr., Richmond, Va 494 

Mechanics ft Traders Ins. Co. . New Orleans 24 

Menard ft Co.. Galveston, Texas 490 

Merchants and Mnnufrs Ins. Co.,Cindnnati.xxxvui 

Merchants Mutual Ins. Co., New Orleans.. xxx 

Merchants Mutual, Altoona, Pa llii 

Metropolitan Life Ins. Co., New York 30 

Miami Valley Insurance Co., Cincinnati... xxxiaii 

Michigan F. and M. Ins. Co., Detroit xxv 

Millers and Maa. Mut. Ins. Co. , Minneapolis xHii 

Mi)ler, James A. ft Co., Chicago 425 

Milwaukee Mechanics Ins. Co., Milwaukee, xxxiil 

Minne^^ota Fire Association. Minneapolis. . . xliii 
Miss. Valley Manufrs Mut. Ins. Co., Rock 

Island, III xli 

Mix, J. C, N«-w York as 

Montgomery ft Funkhouser, Chicago 425 

Moore, Tillman ft McAtee, Louisville 444 

Morse, J. S., New York., 246 

Mutual Artisans Ins. Co., Muscatine, Iowa, xxviii 

Mutual Benefit Life Ins. Co. , Newark ai 

Mutual Fire Insurance Co., New York Ivii 

Mutual Fire Assodation. Toledo, O Iii 

Mutual Life Insurance Company, New York 26 

Mutual Life Ins. Co. of Kentucky, Louisville xlii 

Mutual Union Fire Ins. Co., Moline, 111. . . xlvii 

National Fire Ins. Co., Hartford. Conn.... • v 

National Fire Ins. Co. , New York 31 

National Life Insurance Co. of Vermont. . . xiv 

National Mutual, Akro;i, O Uii 

New England Mutual Accident Assodation, 

Boston viii 

New England Mutual Life Ins. Co., Boston ix 
New Hampshire F. Ins. Co., Manchester, 

N. H.. XX 

New Oiieans Insurance Co., New Orleans, xxxvii 

New York Bowery Fire Ins. Co., New York. ii 

New York Lifie Ins. Co., New York ao 



Pack 

Niagara Fire Insurance Co., New York. ... xix 

Niooll ft Roy, Printers, New York aa 

Noble, W. R.. Louisville. Ky 444 

North American Lite Ass'nce Co., Toronto. 94 

North British and Mercantile Insurance Co. xo 

North Pacific Ins. Co., Taooma, Wash xxvii 

North ft Walx, San Frandsco, Cal 4<7 

Northwestern Mut. Fire Ins. Co. , Rock Island xli 

Norwich Union Fire Ins. Society, England. i 

Paige, John C, Boston 449 

Palatine Ins. Co. of Manchester, Eng xxviii 

Parker ft Co., Memphis, Tenn 488 

Parker. Ndlson T., New Brunswick. N. J. ^66 

Parkersburg Ins. Co.. Parkersburg, W. Va. I 

Parks ft Shumard, Dallas, Texas 490 

Parrott, R. B., Waco, Texas 49^ 

Pbcenix Assurance Co. . London 508 

Phoenix Mutual Life Ins. Co., Hartford. ... vii 

Peabody Ins. Co., Wheeling, W. Va W 

Peaaley, C. W., New York 47i 

Penn Mutual Life Ins. Co., Philadelphia. . . xii 

Pennsy Ivania Fire I nsurance Co , Pbila xi 

Peoples Fire Ins. Co., Manchester, N. H. .. xx 

Perdue ft Eggleston, Atianta, Ga 4^1 

Pescud, Peter F., New Orleans 44^ 

Peters, Thomas, Atlanta, Ga 4^ 

Pioneer Ins. Co., Chicago, 111 Ivi 

Plant, R. H., Macon, Ga 4^3 

Pressey, J. W., Rochester, N. Y 47b 

Providence St^am and Gas Pipe Co a4d 

Provident Life and Trust Co.. Philadelphia, xi 
Provident Savings Life Assurance Soc., N. Y. 32 
Providence Washington Ins. Co.. Provi- 
dence xMi 

Prudential Ins. Co. of America, Newark.... 14, 15 

Quaker City Mut. Fire Ins. Co.. Philadelphia xlvii 

Queen Insurance Company, Liverpool 27 

Qaenzer, Chas., New York a4e 

Railcy, W. M., New.Orleans 44^ 

Rascher Map Publish'g Co., Chicago and. . 

NY.... 4*6 

Rehm ft Van Deinse, Indianapolis 43> 

Rdnhardt, I., ft Son. Dallas, Tex ^ 

Reserve Ins. Co., Cleveland idix 

Rogers, Frank D., Chicago * 4^6 

Rochester German Ins. Co.. Rochester xxxvii 

Rome Insurance Company, Rome, Ga xxx 

Royal Insurance Company, Liverpool 28 

Sandusky Ins. Co., Toledo, O 1 

Schramm ft Moore, San Antonio, Texas. . . 49^ 

Scott, J. H., PittsburRh. Pa 4B3 

Scudder, S. D., San Antonio, Texas 491 

Security Insurance Company, Cincinnati. .. xxxix 

Seneca Co. Mutual Insurance Co. Tiffin, O. li 

Seneca Mutual Ins. Association, Toledo, O. Hi 

Smith. L. G., Harrisburgh. Pa 48a 

Smith, Davis ft Co.. Buffalo. N. Y 467 

Smith. Mar hall J. ft Co., New Orleans. . . 446 

Sorley, S ubbs ft Co., Galveston 490 

Southern Insurance Company, New Orleans xxxvi 
Spontaneous Combustion, The Spectator 

Company xxvii 

Standard Fire Ins. Co., Wheeling. W. Va.. Iv 

Standard L. ft A. Ins. Co., Detroit 4 

Stanton, J. C. . Jr. , H arrisburgh 25 

State Mutual Fire Ins. Co., Hyde Park, lU. xlviii 

State Mut. Life Assurance Co. of Worcester xxiii 

Steams Bros., Boston 4f9 

State Ins. Co., Des Moines, la xhv 

Sutelns. Co., Salem, Ore xxvii 

Stockraisers Live Stock Ins. Co., Washing- 
ton, Pa li 

Sun Life Ins. Co. of America, Louisville,Ky. xxiv 

Sun Fire Office, London 31 

Susquehanna Mutual Fire Insurance Com- 
pany, Harrisburgfa, Pa 



THE INSUllANCE YEAR BOOK. 



18 



Pack 

Sweeney ft Edwards, Wheeling, W. Va. . . . 496 

Throop ft Eastman, Nashvflle, Tenn 489 

Thurston, £. M. . Knoxville, Tenn 488 

Towie, G. C, New Branswick, N.J 466 

Travis, J. L. S., Mobile. Ala 4x3 

Travelers (LiJe and AccJ Ins. Co., Hartford vi 

Tredick, Chas. ft. Co., Fliiladelpbia, Pa 483 

Uhlielder Bros., Montcomery, Ala 414 

Underwriters Ins. Co., WtaeeUog, W. Va. . liv 

Union Insoranoe Co., San Ftancisco xxvi 

Union Motnal Life Ins. Co., Portland, Me. . zzi 

Union Central Ufe Ins. Co., Ciodonad. ... x\ 

United States Ufe Ins. Co.. New York iti 

Vermont Life Ins. Co., Bnrlington, Vt zv 

^^ginia F. ft M. Ins. Co., Rioimond xzziv 

Virginia Stale Ins. Co., Richmond xzxiv 



Page 

Wagner, Geo. E.. Philadelphia 483 

Walker, J. S.. NashvUle, Tenn 489 

Washington Life Insurance Co., New York Iviii 

Waters, AV. M.. Dallas, Texas 490 

Waters & Bro , Galveston. Texas 490 

Whitcomb W. H. S. , Burlington, Vt 403 

Whiton. John M., New York 47 

Wells, Joseph , New York as 

Wensell, J. C, Harrisburgh, Pa 48a 

Western ft Southern Life Ins. Co. .Cincinnati xli 

Western Assurance Company, Toronto xix 

West, J. R., Richmond, va 494 

Wllloox, James S., Montgomery, Ala 4x4 

WilUamsburgh City Ins. Co., New York. . . 246 

Wilson, Uriah B. . San Fnmcisco 417 

Winne, S. £., Hutcbinsoo, Kan 453 

Woods, A. A. ft Co. . New Orleans 446 

Yankton Fire Ins. Co., Yankton. So. D xlvi 




THE 



Emuloyers' LiaMlity 
Assurance Gorpration 

(l^INflXSD), 

fiepoiited in Uflitei States, t&tf,000.00 

TBV8TBB8 POM THM WXTB1> ST ATX 8: 

OLIVER W. PEABODY, Esq Kidder, Pcabody & Co., Boston. 

CHAUNCEY M. DEPEW. Esq Prcs. N. Y. C. & H. R. R. R. Co., New York. 

SAMUEL SLOAN, Esq. Prcs. Del.. Lacka. ft West. R. R. Co., New York. 

WM. A. FRENCH, Esq Prcs. Mass. Nat'l Bank. Abram French ft Co.. Boston. 

Hon. JOHN LOWELL Boston. 

CMIMJF OJFJFJOB IN TUB VKITBD BTATBB: No, 71 KILBT ST., BOSTON. 
ENDICOTT ft MACOMBER Managers and Attorneys for U. S. 



THIB CORPORATION XMIT7E8 

OtBMna AoddMit PoliolM glTing larger benefit! at len ooit than other oompaniei. 

PolioieB indemniiljring employen againtt liability for aooidente to irorhpeople. 

Th0 TipnMT •/ Zdboral AeMdetU Insurance in the United Biates, and the Leading Aeeid^ni 

Company in Burope, 



OxGANizBO Apul Ihn, 1868. 

EXCHANGE 

FIRE INSURANCE COMPANY. 
41 A ISPbu St., 47 William St., 

NR>V YORK. 



CAPITAU $200,010.00. 



R. Caucak Combbs. Preaident. 

Gbo. W. Montgomkxy .Secretary. 



The Spectatoii Compa((y, 

PUBLISHKKS AND ImPORTBRS OP 

INSURANCE PUBLICATIONS. 

Send far Catalogue, 

14 CORTLANDT ST., NEW YORK. 

Chicago Office: 
161 la sall.e street. 



14 THE INSURANCE YEAR BOOK. 

The Roneer of Industrial Insurance. 



FIFTEENTH ANNUAL STATEMENT 



THE PRUDENTIAL 

Insurance Connpany 

OF AMERICA. 



Home Office, - - - - Newark, N. J. 

JOHN F. DRYDEN, President. EDGAR B. WARD. Counsel, 

LESLIE D. WARD. Vice-President. FORREST F. DRYDEN, Secretary. 



CASH ASSETS, » $5,084,895.02 

BALANCE SHEET, JANUARY ztt, 2891. 

LIABILITIBS. 

Reserve, computed at 4 per cent $3,741,021.00 

Surplus to Policyholders i»343.8?4-02 

$5,084,895.02 
SCHEDULE OF ASSETS. 

Bonds and Mortgages $3,683,797.00 

U. S. Govemment Bonds (Market Value) lai.ooo.oo 

Rail Road Bonds (Market Value) 228,935.00 

Real EsUte 625,044.37 

Cash in Banks and Office 317.996-80 

Interest and Rents, due and accrued 47,750.06 

Loans on Policies 1,704.05 

Unreported Premiums, and Premiums in course of collection (Net) 59.667.84 

Total Assets (5.084, 895.02 

The increase in Surplus during the year is $272,808.96 

Increase in Cash Assets 1,160,638.06 

THE RECORD SHOWN IN PERIOD OF FIVE YEARS. 

New Policies. Inoome. Cbdms Plud. 

1886 370.358 $2,164,957.43 1593.372.70 

X887 495.998 3.013 350.97 853,818.64 

1888 524.915 3.757.084.15 1,096.234.15 

1889 689.255 4.601.298.04 1,327.856.18 

1890 765,462 5.821,652.00 I.749.713.OO 



Total Death Claims Paid, ----.-- $6,962,046.00 



THE INSURANCE YEAR BOOK. 15 



THE 

Prudential Insurance Co. 



OK AMERICA 



WAS the pioneer in industrial insurance on this side of the water. That it set in 
operation forces of no mean power, may be inferred from the fact that within 
fourteen years of its organization, industrial insurance has attained such pro- 
portions that the two leading companies follow immediately after the three largest 
ordinary life insurance companies, in the United States, in amount of business written. 
That the system introduced in 1876 met a need of the people is shown from the fact that 
there are, to-day, much more than 3,000,000 industrial policies in force in this country. 
Of these, the Prudsntiai, issued, in 1890, 765,462. 

The plan of the Prudbntiai, is precisely similar to that of ordinary life insurance 
companies, based upon correct principles. It is founded upon a system which has been 
demonstrated by science and proved by the experience of nearly two centuries to be the only 
satisfactory method of furnishing indemnity for death. It differs from ordinary companies 
only in matters of detail, in its adaptation to the wants of its patrons. Its principal 
peculiarities are : That, while the ordinary companies do not issue a policy for less than 
a thousand dollars, except in rare cases, the P&udbntiai, will issue one for ten dollars. 
Most companies require the premium to be paid at infrequent intervals, and in com- 
paratively large sums, while the Prudbntiai, receives them weekly, each of small amount, 
thus relieving its policy from becoming a burden. The object of an ordinary policy is 
to provide an estate, that of the PritdBntiai, is to provide a burial fund to the family of the 
laboring man at a time when a little ready money is most needed and most appreciated. 
Ordinary life insurance discriminates against women— either they do not receive them or 
charge a higher premium for such insurance. The Prudbntiai, insures women in its 
industrial branch upon the same basis as it takes male risks. No ordinary company will 
insure children. The PRUDBvrTiAi; has over a quarter of a million policies in force upon 
children's lives. 

The extent to which the Prudbntiai, has won the confidence of the people is shown 
from the fact that it has insurance in force aggregating one hundred and forty millions of 
dollars. Its policyholders, if gathered together into a single coirmiunity, would form a city 
larger, as regards population, than any city in the country, excepting New York, Chicago, 
and Philadelphia, while the male citizens of such a town would exceed in number the 
muster roll of the majority of the standing armies of the world. The amount of money for 
which the PrudbnTiai, is liable, under its existing contracts, is nearly equal to the total 
value of the gold and silver produced in Idaho and Colorado since the first discovery of the 
precious metals in those districts. It exceeds the value of the annual export from the United 
States of gold and silver bullion, by many millions of dollars, and would suffice to pay the 
funded debt of the States of Massachusetts, New York, Pennsylvania and Virginia. It 
would purchase the entire cotton manufacturing interests of Massachusetts and Rhode 
Island, and the lumber men of Michigan, Pennsylvania and Wisconsin would dispose ot 
the entire product of their industry for that sum. 

The death claims paid by the Prttdbntiai, to the present time have included in their 
benefits not less than 300,000 persons, a number exceeded by the population of but eight or 
nine of the principal cities of the country ; while the sum of seven million dollars, the 
amount of death claims paid, is larger than the sum expended in ten years by any one ot 
those States for the relief of the indigent distributed within their borders. 



16 THE INSURANCE YEAR BOOK. 

THE AMERICAN 

I^MPIiOYERS' LiaBIliITY iNSURaNCB (?OMPaNY. 

The First and Only American Liability Company. 

President : JE^^SBI^ Vice-President : 

JONATHAN H. CRANE. wKPt^^^Si^ JOHN I. TUCKER. 




Treasurer : ^raH iAi WBt Secretary and General Manager : 

JAMES BOWNE. ^O'^S'^P^ JOHN MACRAE. 

MUTUAL STOCK COMPANY. 

Capital, $200,000. Participation in Profits. 

FCOBNCIBS. 
GBN9RAX, W98TSRN DSPARTMBNT CHAMBER OP COMMERCB BUII.DIN6, CHICAGO* 

BDWARD B. 8CRIBNBR, RBSlDXlfT Managbr. 
NEW ENGI.AND DEPARTMENT 80 CONGRESS STREET, BOSTON 

CHARGES W. HOI^DEN, RBSXDXlfT Manaobk. 

SOUTHEASTERN DEPARTMENT 18 SOUTH SEVENTH STREET, PHII«ADEI.PHIA. 

HORACE A. REEVES, Gbnbrai. Agbxtt. 

MICHIGAN H. C. MEAD, 804 Hammond Buildiiig, Detroit. 

KENTUCKY AND TENNESSEE MOORE, TIIXMAN & McATEE, I/MUBviUe. 

AI^ABAMA R. P. MANI,T, Birmingham Tnitt and Savings Company. 

GEORGIA JAMES W. McAU^ISTER, 87)^ WhitehaU Street, Atlanta. 

MISSOURI AND KANSAS R. M. DUNCAN. 414 Roe Building, St Louis. 

OHIO AND MARYLAND E. SHRIVER REESE, Cleveland and Baltimore. 

COLORADO P. A. CHAPMAN, 418 Boston Building, Denver. 

North British and Mercantile 

INSURANCE COMPANY 

OK London and Edinburgh. 



United States Branch, - 54 William Street, New York. 

r 

NEW YORK BOARD OF MANAGEMENT. 
Solon Humphreys, Esq., Chairman . (E. D. Morgan & Co.). 

H. W. Barnes, Esq. Jacob Wendell, Esq. (Jacob Wendell & Co.). 

Chas. H. Coster. Esq, (Drcxel, Morgan & Co.). Chas. Ezra White, Esq. 

David Dows, Jr., Esq. (David Dows, Jr. & Co.). Hon. Wm. Waldorf Astor. 

SAM P. BLAGDEN. Manager. WM. A. FRANCIS, Aasittant Manager. 

ROBERT H. WASS, General Agent. WM. R. ECKER, Att't Gen'l Agent, 

H. M. JACKSON, Secretary. 



Publishers' Preface. 



In presenting the Nineteenth Annual Edition of The Insurance Year Book to 
the public, the publishers desire to call attention to some important features introduced 
therein. The first issue of this publication contained little more than one year's 
statistics of the regular i&surance companies doing business in this country, comprised 
in a small pamphlet of a few pages. But, in accordance with the publishers* idea of 
making The Insurance Year Book a cydopsedia of insurance statistics and infor- 
mation, the work has grown year by year, until the edition of 1890-91 made a book of 
nearly one thousand pages. The natural additions to The Year Book for 1891-92 
would have made a volume of twelve or fourteen hundred pages, and its bulk would 
have been so greatly increased as to have impaired its value as a book for ready refer- 
ence. After consultation with leading underwriters in various branches of the busmess, 
the publishers determined to issue the Nineteenth Annual Edition of The Year Book 
in two parts, one part being devoted to Life and Miscellaneous Insurance, and the- 
other to Fire and Marine Insurance. 

Patrons of The Insurance Year Book who are identified with Life Insurance- 
have bought it because of the statistics and other matter that it contained pertaining: 
to their special field of work, and have regarded so much of it as was devoted to Fire,. 
Marine and other branches of insurance as superfluous for their purposes ; representa- 
tives of other forms of insurance have entertained similar sentiments regarding the 
Life Insurance features of the work. In order, therefore, to supply all classes of 
patrons with the material they want, unencumbered with matter they do not want, and 
at the same time to provide space for new and important features, a division of The 
Ykar Book into two parts was decided upon. One part is devoted to Life and Mis- 
cellaneous Insurance, and the other to Fire and Marine Insurance. Each part is 
coBfPLETE IN ITSELF, neither having any connection with the other. The only things 
the parts have in common are the title, the Agents' List and the advertisements, these 
departments being identical in each part By this division we have been able to ex- 
tend the statistics of several departments, and to add much new and valuable matter. 

Life and Miscellaneous Insurance — Syllabus of Contents. 

While the Table of Contents is full and complete, a reference to the new and 
more important features embraced in this part of The Year Book will not be out of 
place. 

PasMiUH Rates. — Under this chapter heading will be found a new and important depart- 
ment, showing, in comparative form, the Premium Charges of the various Life Companies for 
different forms of Policies, as follows: First— Annual Premiums for Whole Life, Year by 
Year, and for 5, 10. 15 and 20 Payment Life Policies at ages from 20 to 60. Second — Annual 
Premiums for 10, 15, so. 35, 30 and 35 Year Endowments. Third — Single Premiums for 
Whole Life. Fourth— Single Premiums for Endowments. Fifth — Tontine Rates. Sixth — 
Term Insurance Rates. Seventh — Immediate and Deferred Annuities. Eighth — ^Surrender 
Values. Ninth— Tontine Estimates and Results. Tenth— Investment Insurance. 



18 PUBLISHERS* PREFACE 



Ltfe Insurance Ratios. — A very important series of tables, occupyinfr upwards of sixtj 
pages, giving^ the comparative exhibits of the business and financial standing of all the Life 
Insurance Companies of the United States, is presented under this heading. They embrace 
an exhibit of the transactions of all companies fiom the date of organization to the present 
time — information to be nowhere else obtained. 

Statisiics from Organization. — This is a new and extrediely valuable addition to the 
tabular exhibits of The Year Book, covering the transactions of all existing Life Insurance 
Companies from the time of their organization to the beginning of the present year. The 
tables show the receipts of the companies froni policyholders, from investments, etc., dis- 
bursements to policy holders under separate headings, expenses, total disbursements, new 
business, insurance in force at the close of each year, assets, liabilities, surplus, and in fact 
all the material points that are contained in the statistics regarding the transactions of recent 
years. 

Definitive Analysis of Life Insurance Returns. — The imporunt tables compiled by 
Benjamin F. Brown, which have formed a feature of The Year Book for several years past, 
this year include statistics for the last decade of Life Insurance. These are compiled from 
the Massachusetts Reports, and constitute the most complete analysis of Life Insurance Com- 
panies' statements that has ever been made. The companies reporting to Massachusetts only 
are included in the tables. 

Exhibit of Life Insurance Transactions for Ten Years.— This series of tables in- 
cludes the statistics of all the American Life Companies for Ten Years, showing, in compara- 
tive form, the business transactions of each and its financial standing from year to year. 

Life Insurance by States. — Under this heading is presented a series of tables showing 
the transactions of the different companies in the various States and Territories. With but 
few exceptions these reports are supplied by the Insurance Departments, and are entirely trust- 
worthy. 

Statistics of Life Insurance for Thirty Years.— These tables show the financial 
standing and business of all companies reporting to the New York Department during the 
past thirty years. 

Analysis of Assets. — This table presents a complete analysis of the assets of all Life In- 
surance Companies reporting to the New York Department, showing at a glance how the 
funds of the various companies are invested. 

Synopsis of Business for Twenty-one Years. — In this table are presented the aggre. 
gates of premiums, interest on investments, payments to policyholders, increase of as- 
sets, etc., during Twenty-one Years of all Life Companies reponing to the New York 
Department. 

Payments to Policyholders. — An elaborate table shows the payments made by twenty- 
five Life Insurance Companies to policy holders during the past twenty-three years, analyzing 
these payments under different headings, and exhibits the manner in which the policyholders 
or beneficiaries receive the benefits of Life Insurance. 



The Insurance Year Book, during its many years of publication, has obtained 
for itself a recognition as a standard authority upon all matters pertaining to the 
business of Insurance. It is invaluable to managers of companies, to the active roan 
engaged in field work, and no insurance library is complete without it The Insur- 
ance Year Book is handsomely l:K)und in cloth, with heavy board covers, and printed 
on fine paper and with clear, legible typt. Address, 

THE SPECTATOR COMPANY, 
14 Cortlandt Street, 

New York City. 



Addenda. 



Los Angblbs Lipk Underwriters Association. — President, F. B. Bickford; first vice- 
president, Edwin l.eake; second vice-president, R. H. Brown; secretary and treasurer, F. B. Man- 
chesiter; Uustees, C. W. Seamans, L. K. Webb, A. M. Shields. J. B. Clarkson. 

Wisconsin Life Insurance Agents Association. — President, H. A. Kinney; vice-presidents, 
Edward Ferguson and W. W. Macomber; secretary, H. S. Fuller; treasurer, W. E, Thompson. 
Executive committee: N. M. McLaren, Charles E. Grain, Charles B. Van Slyke. 

National Association of Life UNDERWRiTBRS.—Preddent, Charles H. Raymond of New 
York; first vice-president, I. Lay ton Register of Philadelphia; second vice-president, Gen. Alexan- 
der Harbison of Hartford; secretary, E. H. Plummcr of Philadelphia; treasurer, William E. Rad- 
cliffe of New York. Executive committee : C. E. Tillinghast of Cleveland, Joseph Ashbrook of 
Philadelphia, Henry C. Ayres of Pittsburgh, George P. Haskell of New York, Charles H. Fergu- 
son of Chicago, W. J. Roddy of South Carolina, Ben S. Calef of Boston, George P. Dewey of Port- 
land, Henry P. Goddard of Baltimore, C. E. SUniels of New Hampshire, J. W. Iredell, Jr., of 
Cincinnati, J. C. Thompson of Michigan, J. D. Sutton of Kansas City, B. F. Stahl of Minnesota, 
Thomas P. Morgan of Washington. Annual meeting in 1892, to be held in New York dty on the 
third Wednesday in September. 

Vermont Association of Life Underwriters. — The officers for the current year are : 
President, W. H. S. Whitcomb of Barlington; vice-presidents, I. S. Borley of St. Albans, J. A. 
Welhiaan of Burlington, J. H. Drew of St. Johnsbury, L. J. Eldridge of Morrisville, E. G, Mason 
of Rutland; secretary, Geo. H. Smalley of Burlington; treasurer, T. S. Peck of Burlington. Ex- 
ecutive coaamittee : A. P. Childs, E. S. Harris, C. S. Hastings, A. H. Cheeney, C. F. R. Jenne, 

Indiana Association of Life Underwriters, organized June 8, 1891, with the following 
officers: President, E. S. Folsom; vice-president, D. F. Swam; secretary, E. M. Goodwin; 
treasurer, D. W. Edwards. Executive committee : C. S. Warburton, D. B. Shideler, F. B. Daven- 
port. 

National Association of Life Insurance Medical Directors.— Officers for current year : 
President, Frank Wells, M. D., John Hancock Mutual; vice-presidents, G. W. Russell, M. D., 
MtntL Life; Louis McKnight, M. D., Northwestern Mutual; secretary, E. J. Marsh, M. D., 
Mutual Life of New York; treasurer, J. W. Brannon, M. D., Washington Life. Executive com- 
mittee: Harry Tuck, M. D., New York Life; G. S. Winston, M. D., Mutual Life of New York; 
£. W. Lambert, M. D., Equitable Life; Edgar Holden, M. D., Mutual Benefit Life; Frank Wells, 
M. D.: E. J. Marsh, M. D., and J. W. Brannon, M. D., ex^fficio. 

New Hampshire Life Underwriters Association. —President. C. E. Staniel, Concord; 
first vice-president, M. A. Taylor, Nashua; second vice-president, S. B. Folsom, Dover; secretary, 
W. M. Morgan, Manchester; treasurer, J. D. Chandler, Nashua. Executive committee : J. J. 
Dillon, C. L. Malone, G. A. McKeller and G. F. Butterfield. 

Kansas Mutual Life Association of Hiawatha, Kansas, organized in 1882 as an assessment 
associatioin, has made a deposit of $100,000 with the State Treasurer of Kansas, and is now author- 
ized to do business as an old line company. The following is a list of its officers and directors : 
President, J. P. Davis; vice-president, W. M. Wellcome; secretary, John E. Moon; assistant secre- 
tary, Wm. B. Kingsley; treasurer, C. H. James; medical director, £. W. Bliss; general agent, B. 
B. Mann. Trustees : E. N. Morrell. J. P. Davis, W. M. Wellcome. Geo. H. Adams, John E. 
Moon. Does business in Colorado, Kansas, Utah, Washington, Wyoming. 

United States Live Stock, Fergus Falls, Minn. — Statement as of December 31, 1890 ; 
business of four months. Capital (partly paid in), $500,000 ; assets, $2644 ; no liabilities ; 
premium receipts in 1890, $1250 ; total income, I2644 ; expenses (total disbursements), $31 ; 
aiDOont in force, $34,780. 

The Excelsior Life Insurance Company of Toronto, Ont., organized 1890. — Capital stock 
paid in, $43,489; premiums, $3250; toUl income, $4125; total disbursements, $10,213 ; new 
business and amount in force, $267,500 ; assets, $51,043 ; surplus, $43*332. 

Geoige S. Dnryee, appointed Insurance Commissioner of New Jersey, vice G. B. M. Harvey, 
resigned. 

The directors of the Union Guaranty and Trust Company of Little Rock, Ark., are as follows : 
L. B. Leigh, S. N. Marshall, M. M. Cohn, Thomas Lafferty, John F. Boyle, P. Raleigh, L. W. 
Coy. 

T. R. Alderman, chosen secretary of Imperial Life Insurance Company, to succeed A. Waring. 

John E. Hollingsworth. appointed Insurance Commissioner of Texas, succeeding L. L. Foster. 

Illinois Life Insurance Company incorporated; capital, $1,000,000; headquarters, Chicago. 

Wm. A. Butler, president Michigan Mutual Life Insurance Company, died. His successor to 
be chosen in July. 

David C. Robinson, elected trustee of the Mutual Life Insurance Company of New York. 



20 THE INSURANCE YEAR BOOK. 

THE BEST SECURITY FOR THE FAMILY, 

THE ESTATE, OR FOR OLD AGE. 

Is a Policy of Insurance and InYestment in tbe 

NEW YORK LIFE 

INSURANCE COMPANY 

Which has over $ 1 1 5,000,000 in Assets and an ample Surplus. 



TAZE FOB SZAXPLE ONE OF THESE FOUB POUOZES: 

I.— THE NON-FORFEITING FREE TONTINE POLICY furnishing pro- 
tection for the family or estate at a low rate, in case of death, and an 
increasing investment in case the insured survives a selected period of 
fifteen or twenty years. Ask for the results, to the living who insured at 
your age (which give), of similar policies after fifteen or twenty years* 
insurance. 

2.— THE NON-FORFEITING TONTINE LIMITED ENDOWMENT 
POLICY. Guaranteeing an endowment of $300.00 at the end of ten 
years, $400,00 at the end of fifteen years, or $500.00 at the end of twenty 
years, for each $1000 insured. Ask about Mortuary Dividends on these 
two Policies. 

3.— THE INSURANCE BOND WITH GUARANTEED INTEREST. 
Guaranteed to return at least four per cent compound interest if you 
die while you are paying for it, annual interest at four per cent until 
you die, after it is paid for, and the face value to your estate at death. 

4.— THE TEN YEAR RENEWABLE TERM POLICY. Giving pure 
insurance at a low price, and leaving you to invest your own money. 
You may not do as well as the Company would with the additional 
amount which the other policies cost, but you think you can, and it is 
always best to let a man do as he pleases with his own money. More- 
over, some men cannot carry as much insurance as they really need on 
any other plan. 

For information as to the special features of any of these contracts and the 
standing of the Company, you will need only to send your address and date of 
birth to the Home Office or the nearest agency of the Company. 



NEW^ YORK LIFE INSURANCE CO., 
346 and 348 Broadway, New York. 



WILLIAM H. BEERS, President, A. H. WELCH, 2d Vice-President. 

HENRY TUCK, Vice-President. RUFUS W. WEEKS, Actuary. 



THE INSURANCE YEAR BOOK. 21 

THE MUTUAL BENEFIT 

LIFE INSURANCE COMPANY, 

NEWARK, N. J. 



A^IZI DODD, - - President. 



ASSETS (Market Values) Jan. i, 1891 |46,997»493.43 

LIABILITIES, N. Y. and Mass. Standard 43.566,147.74 

SURPLUS 3.431.274.^ 

SURPLUS, by former JH. Y. SUndard (Am. Ex. 4^ per cent Reserve) 5,932,823.69 



Policies Absolutely Non-Forfeitable After Second Year. 

In casb of lapse the Policy it comtinuxd in force as long as its value will pay for ; or, if 
preferred, a Paid-np Policy for its full value is issued im exchange. 

After the second year, Policies are Incontestable, except as against intentional fraud ; and 
ail rtstriftifims as to residence ^ travel or occttpation are removed. 

Cash Loans are made to the extent of 50 per cent of the reserve value, where valid assign- 
ments of the Policies can be made as collateral security. 

Losses paid immediately upon completion and approval of proofs. 

LANCASHIRE 

INSURANCE COMPANY 



ESTABLISHED 1862. 



GEORGE STEWART, GEN'L MANAGER OF THE COMPANY, MANCHESTER, ENG. 



Olilof Offloe in the Unitod Btatat , 26 Pino Btrott, Vtw York. 



£. LITCHFIELD Manager for the United Sutes. 

GEORGE PRITCH ARD Sub-Manager for the United States. 

W. G. FERGUSON Chicago. 

H. IL LINDSEY CiadimatL 

HUTSOM LEE Charleston, S. C. 

S. O. COTTON A BRO Hoiutoa, T«x. 

MANN * WILSON Saa FrandMo, CaL 

nU>M WBOM ALL IKFOKllATIOil AS TO THB COMPAMY MAY SB OBTAIMBD. 



22 



THE INSURANCE YEAR BOOK. 



HOME 



INSURANCE COMPANY 

OF NE^V YORK. 



Office, No. 119 Broad^vv^ay. 



SEVENTY-FIFTH SEMI-ANNUAL STATEMENT, 

JANUARY, 1891. 



SUMMARY OF ASSETS. 

Cash in Banks, - - - - - - - $313,400.82 

Bonds and Mortgages, being first lien on Real Estate, - - 665,150.00 

United States Stocks (market value), .... 2,273,450.00 

Bank, Trust Co., and Railroad Stocks and Bonds (market value), 2,724,450.00 

State and City Bonds (market value), .... 527,707.08 

Loans on Stocks, payable on demand, .... 593,100.00 

Interest due and accrued on ist January, 1891, ... 439986.94 

Premiums uncollected and in hands of Agents, - . - 57493^3-71 

Real EsUte, ---.-.-- 1,375,064.03 

•9,091,192.58 

LIABILITIES. 

Cash Capital, ....... $3,000,000.00 

Reserve Premium Fund, .... 3,709,312.00 

Reserve for Unpaid Losses and Claims, .... 842,579.09 

Reserve for Sinking Fund, ..... 44,706.27 

Net Surplus, ....... 1,494,595.22 

$9,091,192.68 



DIRECTORS. 



LcTi p. Morton, 
Henry A. Hurlbot, 
William Stuns, 
John R. Ford, 
WUliam R. Fosdick, 
William H. Townsond, 



GllTer S. Carter, 
Henry M. Taber, 
Daniel A. Heald, 
David H. McAlpin, 
Andrew C. Armttrong, 
ComeUiu N. Bliis, 



Edmund F. Holbrook, 
John H. Washlmm, 
John H. Inman, 
Walter H.Lewis, 
Francis H. Lmett, 
Benjamin Perkins, 



Henry E. Begudin, 
George W. Smith, 
Geoffse C. WUte, Jr., 
Elbridge G. Snow, Jr., 
George H. Hartford, 
Henry F. Noyet. 



DANIEL A. HEALD, President. 

WILLIAM L. BIGELOW. ) ^ JOHN H. WASHBURN. 

_ >• Secretaries. 



THOMAS B. GREENE. ) ELBRIDGE G. SNOW, 

HENRY J. FERRIS. 
AREUNAH M. BURTIS, 



.} 



IN. •> 

. Jr.. ; 



Vice-Presidents. 



Ass't Secretaries. 



THE INSURANCE YEAR BOOK. 



23 



Hkndy Guide 

TO 

PREMIUM RATES, APPLICATIONS AND POLICIES OF AMERICAN LIFE 

INSURANCE COMPANIES. 

Showing forms of PoUcies issued by the rarious Life Companies and the conditions bearing upon them ; also 
CompaiatiTe Tables of Rates for Whole Life, Endowment, Term and industrial Insurance, for Annuities and other 
TaluaUe information relating to the life insurance contracts. 

This new work gives in comparative form the premium rates charged by fifty American life insurance companies 
for the various fonns of insurance contracts in general use and copies of policies and synopses of applications issued 



by each company, together with the conditions, agreements, warranties, etc., pertaining tnereto. 

The following is a summanr of the subjecu treated in Thb Handy Guxdb. Bat«s of Premlomfl. 
trial Inannuioe. Copies of PoUolea and Applieations. Suirender Tallies. 
of Inauranee. Tontme Estimate and Besolts. Miscellaneoas Tables. 



Indns- 
Maxltnnm Amount 



DESCRIPTIVE CIRCULAR MAILED ON APPLICATION, 



OPINIONS OF PRACTICAL MEN. 



THE EQUITABLE LIFE ASSURANCE SOCIETY, 

Nbw York. 
Ths Spbctatob Company. 

C*uiitmun .—We are in receipt of the copies of ** Thb 
Handy Guidb to Pbbmium Ratbs, Appucations and 
Poucibs," whkh we ordered a short time ago. We con- 
sider this the best publication of the kind within reach 
of managers and agents. Next to a thorough knowledge 
of the goods offered by ourselves, there is nothing like 
knowing die terms and character of the goods offered by 
our naghbon ; and this latter information 3rour recent 
publication supplies us with fully. The want of an intel- 
ugent Miprehension of the precise nature of the contracts 
issaed bv other companies, has led to much misrepresen- 
tation ot competing companies bv agents ; and we sin- 
cerely hope that the advent of thu contribution to insur- 
ance literature will do much to bring about that era 
of fair dealing which is so ardently looked for by all intelU* 
cent insurance soHcitore. 

Thanking you for the service done to ourselves and our 
agents in giving us this book, we are. 

Yours truly, Bowbs & Hall, Managers, 
Washington, D. C, and Baltimore, Md. 



iETNA LIFE INSURANCE COMPANY, 
Hartpord, Conn. 
Thb Spbctatob Company. 

G*MtUm*M:—A casual glance at the " Handy Guidb*' 
convinces me that it contains, in compact form, a large 
amount of information whicn every solicitor needs in 
these days of sharp competitbn. 

J. L. English, Secretary. 



THE EQUITABLE LIFE ASSURANCE SOCIETY, 

Richmond, Virginia. 
Thb Spbctatob Company. 

G€niiemen : — I have received the copies of the " Handy 
GuiDB '* ordered, and consider it a valuable aid to a solici- 
tor in canvassing for Life Insurance. All of my specials 
who have seen it like it extremely. It is, in my judg- 
ment, the best work of the sort that has been issued. 

Youri truly, John R. Wbst, Manager. 



NEW YORK LIFE INSURANCE COMPANY, 
Nbw Yohk City. 
Thb Spbctatob Company. 

GenUtmen: — ^We are in receipt of your ** Handy 
GuioB to Prbmium Ratbs, Appucations and Pou- 
CXBS," and, after a careful review, are pleased to endorse 
it most earnestly. It is a valuable book, and one which 
should be in the hands of every conscientious and earnest 
caovaswr for Life Insurance. ,The least that can be said 
of your GviDB is this : that it is a real assistant and com- 
fort to any ssanager owning a copy of it. 

Yours truly. Jambs C. Mix, Manager. 



CANADA LIFE INSURANCE COMPANY, 
Hamilton, Ontario, Canada. 
Thb Spbctator Company. 

C^milemen:— Capita of " Thb Handy Guidb to Prb- 
MivM Ratbs, Applications and Policibs" are received, 
and I am pleased to say that it more than meets my ex- 
pectations and contains more information than can be got 
at for ten times its cost from any other sources and saves, 
brsidrs, dme and trouble of coluiting. 

Yours very truly, P. McLarrbn, 
Gen'l Agt., Marine Provinces, Halifax, N. B., Canada. 



THE MASSACHUSETTS MUTUAL LIFE 
INSURANCE COMPANY, 
Springfibld, Mass. 
Thb Spbctator Company. 

GtniUmtn .*— I have examined the " Handy Guidb to 
Prbmium Ratbs, Applications and Policibs" of Amer- 
ican Life Insurance Companies, and I find it a very full, 
complete and valuable work and should be owned by 
every one in any way engaged in Life Insurance business, 
and also by every lawyer and journalist. 

D. L. Pbttbgrbw, General Special Agent. 



PHCENIX MUTUAL LIFE INSURANCE 
COMPANY, 
Hartford, Conn. 
Thb Spbctator Company. 

Genilemtu :—l am in receipt of a copy of your work 
entitled, *' Handy Guidb to Premium Ratbs, Appli- 
cations AND PoLiciBS" of American Insurance Com- 
panies and take pleasure in congratulating yon on the 
success of a woric of this kind. Beyond any question, this 
fills a long felt want. It is something that is an absolute 
necessity to every agent, and the conciseness and thor- 
oughness of the information given is of inestimable value. 
I nave spoken simply of its value to insurance men. Its 
value is enhanced, however, by the very handy form and 
sise in which it is gotten up. Yours truly, 

H. S. Bull, Manager, Albany, N. Y. 



Briee per capy^ $2.00; Handsomely Bound in Flexible Leather for pocket use. 
Sent post-paid on receipt of price. 



THE SPECTATOR 



CwcAiSO Oppicb : 

181 La Salle Street. 



COMPANY, Publishers, 

14 Cortlandt Street, New York. 



24 



THE INSURANCE YEAR BOOK. 



oxia-.^^XTizs3X> TUT iseo. 



MECHANICS jlND TRADERS INSURAliCE CO. 



OK NEW ORLEDA.NS. 



CAPITAL^ - - 

ASSETS, - . . . 

NET SURPLUS, Over all Liabilities, 



$375,000 
786,216 
207,628 



LLOYD R. COLEMAN, 

President. 



GEO. H. FROST, 

Secrbtart. 



^0"^E, I»OST Sc OO., 

Managers Nokthbrn Dkpaktmknt, 
138 and 137 BROAD^VAY, - - NEW YORK. 




OFFICE : 



S. E. Cor. Tbird and Walnnt Sts., 

PHILADELPHIA. 



nRE AND MARINE INSURANCE. 



Active agencies in all parts of the 
United States. 



North imeriGaii 

UFE iSSURMCE COIPUT, 
Head Office, Toronto, Canada. 



President, 

Hon. ALEX. MACKENZIE, M. P. 

(Ex-Prime Minister of Canada.) 

Viee^PreeidetUe, 

John L. Blaikib, Esq, Hon. G. W. Allan. 

Mammff i n g JHreeier. 

William McCabb, LL.B. F. I. A. Eng. 



FULL GOVERNMENT DEPOSIT. 



Ample Assets, 



Large Surplus, 



LIBERAL POLICY CONTRACT. 



Indisputable after three years. Losses paid immedi- 
ately on approval of proofs of claim. 

The Company's plans of insunmce are very attractxre 
and easy for an agent to work. 



THE INSURANCE YEAR BOOK. 24a 



^*#^^ 




eO^VSBiSGSVISO. 



Fashionable :: Hatters: 



GENTLEMEN'S HATS, 

LADIES ROUND HATS. 



178 & 180 FIFTH AVE., iSi BROADWAY, 

Bel. isii and 23d Streets. Near Cortlandt St. 

]\Jew :: York. 

Palmer HonsCy Chicago. gi4 Chestnut Street^ Philadelphia, 



N. B. — In all portions of the Country^ Gentlemen who would wear correct styles 

of Hats nmst see to it that the above Trade Mark 

is stamped inside the craivn. 



Agencies in all the Principal Cities. 



24/; 



THE INSURANCE YEAR lK)OK. 




"The Champion Record" published for twelve years, 
contains illustrations and some account of many large fires, 
together with a record of the safes. Send for a copy. 

HOW TO FILE LETTERS. 



nPHERE are only two methods for filing letter and office papers ; one 
which our forefathers used and many of the present generation are 
still using with all its inconvenience, that is, to fold back and pigeon-hole 
them. The other, which represents the progress of the age, is the simple 
system used in the 

AMBERG CABINET LETTER FILE, 

which requires no folding or endorsing, the mere act of placing the letter 
away files it, and the reference at any time in the future is immediate. If 
you are interested, send for an Illustrated Catalogue and Price-List which 
is thoroughly explanatory. 

AMBERG FILE and INDEX CO., 

79 and 81 Duane Street, New York. 



(Two doors East of Brondway.) 



c n I c .A. a- o - 



I-. o isriD o 2sr , 



THE INSURANCE YEAR BOOK. 24^ 



The London Assurance Corporation 



CHARTERED A. D. 1720. 




Statement— United States Branch. 

INCOME, 1890. 

Premiums $1,021,311 

Interest 73»3i7 

Total $1,094,628 

Assets, 1st January, 1891 $i»793.073 

Liabilities 838,324 

Surplus $954,749 

Looal Oom nxifbee. 

CHAnJ.ES M. FRY rresldent lianh ttf New Yorh. 

OOOLD H. MKDMOSn Ao. 6 Wafthhiff ton Square, North. 

iiVSTAV AMSINCK So. 148 Vearl Street. 

liEOROE MOSLE Mo.Hle Bro«., S'J Eacchttnye I^lace. 

CHARLES 2>. DICKEY, Jr Brotrn Bros. Jt Co. 

GEORGE H. MARKS, Manager, 69 Wall Street, New York. 

TYPE- 
WRITER 

Is the Typewriter I^AW KxcKLLhCNCE for 

BUSINESS MEN : Because it docs work uiiequaled in beauty, in a minimum amount of time. 
rKOEESSIONAI> MEN : Because of its extraordinary uniform and perfect impressions, ease of 

operation and general reliability. 
STUDENTS : Because it is the popular Typewriter, and its operators are always in demand. 
GENERAL PUBLIC : Because it stands to-day without a j^eer, with medals and awards beyond 

the reach of its competitors. 





The Hammond Typewriter Co., 

447 and 449 East 62d Street, NEW YORK, U. S. A. 



2ld THE INSURANCE YEAR BOOK. 



THE GRINNELL 

Sensitive Automatic Sprinkler. 

BOTH WET AND DRY SYSTEMS. 

After nine years' extensive use the Grinnell is known and acknowledged to be the only 
absolutely water-tight and reliable sprinkler. 

over 10,000 Ouiiqis ^P^^ "i:r-Sr:"" 

Equipped with them from W ^ )T MOre \\iM 950 FlrBS 

Mayi,i882,toJfllyl,189i. ^^ With No Failures. 

FOR INFORMATION A.ND PROI»OSALS APPLY TO 

PROVIDENCE STEAM AND GAS PIPE COMPANY, 

PRO^IDENCe. R. I. 

Boston Office, 173 Deyonshire Street, Chicago Office, 115 Monroe Street, 

AND TO THE 

Automatic Fire Alarm and E^^tingui^pp Co. 

(i^irvnTED). 

New York, 413 Broadway, Philadelphia, 49 S. Fourth St., 

Boston, 1 1 1 Milk Street, Pittsburgh, 64 Fifth Ave. 



The latter Company also equips buildings with the well-known " Watkins' Automatic 
Fire Alarm" — now used in New York, Boston and Philadelphia for the detection of fires. 
This system already protects about Eight Hundred Millions of Mercantile Property, and 
is approved by the Board of -Fire Underwriters in these cities, who allow large rebates in 
the cost of insurance to those who use this protection. 



THE INSURANCE YEAR BOOK. 



24 r 



WILLIAMSBURGH CITY 

FII^E INSUi^ANCE COIVIPANY, 

OF BROOKLYN, N. Y. 

OFFICES : 

Broadway and Kent Avenue, Brooklyn. 2zz Montague Street, Brooklyn. 

150 Broadway, New York. 

ABSTRACT OF STATEMENT, JARUART 1st, 1891. 

CAPITAL $250,000.00 

Reserved for Reinsurance, Etc 520,393.21 

Net Surplus 660,461.54 

ASSETS. 11.450,854.75 

Real Estate $634,843.90 

Bond* and Mortgaifcs 319,600.00 

United States Binds " 5,850.00 

Other Stocks 373,072.00 

L<3ans on Stock 6,350.00 

Cash 341403.99 

Premiums due 63,480.43 

Interest due 4,756.61 

Rents accrued 8,455.57 

Other Items 42.35 

^ ♦1.450,854.75 

SIXTY-NINTH DIVIDEND.— A dividend of Ten Per Cent has been declared, payable 

on demand. 

MARSHALL S. DRIGGS, President 

FRED H. WAV, Secretary. A. W. GIROUX, Asst. Secretary. 

W. H. BROWN, Asst. Secretary. JESSE WATSON, General Agent. 




THE IMPROVED 

American' 
Watchman's 

TIIE DETECTOR. 

Ten times as many in use as all other electric 
clocks combined ; perfected by ten years' expe- 
rience. Specially made material, constructed by 
skilled men grown up with the business, under 
responsible guarantee for contmued satisfactory 
M.r\ice. Prices very moderate. Also made in 
. >mbination with Recul-ATOrs, Office Clocks, 
Tower Clocks, Electric Clocks, Self- Wind- 
ing Clocks, Synchronizing Clocks, Time 
System, Electric Calls, Electric Signals, 
KiRE Alarms, Electric Fire Alarms, Auto- 
MATic Fire Alarms, and the Morse System 
OK Thermostatic Fire Alarm, by the use of 
which, in New England and some Western States, 
the rate of insurance is reduced twenty cents 
[>er hundred. We shall be glad to have insur- 
ance men fully advised of the superiority of our 
>ystem, and will cheerfully send catalogues on 
application, and should be pleased to exhibit tlie 
apparatus at the office of the AMERICAN 
WATCHMAN'S TIME DETECTOR CO., 

J. S. MORSE, Supt, 

S34'S Broadway, N. Y, 02ip<*9ite P. O, 



THE ELITE 

Leather Goods - 

and 

Trunk Emporium, 

No. 74 West 23d Street, 

Souiheast cor. 0th .\vc., NEW YORK. 

CIIAS. QUENZER. Proprietor. 



LONDON AND PARIS NOVELTIES. 

El ROPEAN Outfits. 
Steamer Chairs and Trunks. 

RUGS, RUG Straps, Pocket Books. 



Fine Leather Goods of Every Description. 



24/ THE INSURANCE YEAR BOOK. 



AMERICAN 

Fire Insurance Company, 



OKKIC E 



Company's Building, 308 and 310 Walnut St, Philadelphia. 




vAd.>&v 



CASH CAPITAL, - - ■ - $500,000.00 

Reserve for Reinsurance and all other claims, - - $1,994,685.25 
Surplus over all Liabilities, 455,708.82 



Total Assets, January i, 1891, - - $2,980,394.07 

THOS. H. MONTGOMERY, President. RICHARD MARIS, Secretary. 

CHAS. P. PEROT, Vice-President. JAMES B. Y'OUNG, Actuary. 

DIRECTORS. 

THOS. H. MONTGOMERY, PEMBERTON S.HUTCHINSON, JOS. E. GILLINGH AM, 
lOHN T. LEWIS, ALEXANDER BH^DLE, SAMUEL WELSH. 

ISRAEL MORRIS, CHARLES P. PEROT, CHAS. S. WHELEN. 



THE INSURANCE YEAR BOOK. 24,^ 



INSURANCE OF REAL ESTATE TITLES. 



The Lawyers' 

Title Insurance 

Company 

OF NEW YORK 

OFFERS : 
1. To Borrowers upon Bond and Mortgage, An unlimited amoum of 

money for Good Loans, with fixed and reasonable rates for examination and 
insurance of title. 

2. To Purchasers of Real Estate, Reasonable Loans to complete purchases 
without additional cost. 

3. To Investors on Bond and Mortgage, Oood Loans, either direct or 
; I by assignment from the Company, accompanied by Policy of Title Insurance. 

4. To all, Examination of Title by responsible and experienced Counsel acting in 
t the interest of the client, AND insurance by a Corporation of large capital. 

CAPITAL - - $1,000,000. 
SURPLUS (upwards of) $415,000. 

' . OFFICERS: 

EDWIN W. COGGESHALL, President. 

CHARLES E, STRONG Vice-President. I JOHN DUER Treasurer. 

WILLIAM P. DIXON Secketary. | bAVID B. OGDEN General Manager. 

SAMUEL GREEN Assistant General Manager. 

DIRECTORS: 



Edwin W. Cogi;eshall 

of Norwood & Cogijfeshall. 

Hbnry Day of Lord, Day & Lord. 

William P. Dixon, of Miller, Peckham& Dixon. 



J. Lawrence Marcellus. 

D.wiD B. Ooden, of Parsons, Shepard & Ogdcn. 

John H. Rikbr. 

Charles E. Strong... of Strong & Cadwalader. 



John Dubr of Martin & Smith, i Herbert B.Turner.. 

Hksry E. Howlani).. of Anderson & Howland. i of Turner, McClure & Rolston. 

JohnT. LocK>iAN,of DeWitt, Lockman&DeWitt. | James M. Vaknum of Varnum & Harison. 

John Webber. 



OFFICES : 

The Equitable Building, Thos. Jefferson Building, 
120 Broadway, Court Square, 

New York. Brooklyn. 



Wi 



THE INSURANCE YEAR BOOK. 



I 



GORHAM IK CO. 

3ilucrsmitl75 



Broadway and 19th St. 



NEW YORK. 



f[\a\{ers of 

Solid Silver Wares 



AND THE 



Celebrated GorMm Plate ' 




The wares made by this Company in Solid Silver are so well known that 
they have become the Standard for purity of metal and perfection in design 
and workmanship. This reputation, combined with the policy of never charging 
anything in excess of a reasonable price, has made this business a constantly 
growing one. 

They are now known as the largest manufacturers of Solid Silver Wares 
in this country or in the world. 

The Gorham Plate has a reputation deservedly second to none. It is 
constructed of hard metal, Silver soldered at every joint, and very heavily 
silver plated, while the same careful attention to correct style and detail of 
finish is given as to the Solid Silver. 

GORHAM MFG. CO., Silversmiths, 

Broadway and 1 9lh Street, New York. 



THE INSURANCE YEAR BOOK. 



25 



Prominent General Life Agents and Managers. 



0. H. & W. A. BUCKLEY, 

GcBcnl N. E. Managers 

Provident Savings Life, 

78 DEVONSHIRE STREET, 
BOSTON, MASS. 

AcenlB Wanted In New England. 

J. C. STANTON. Jr., 

Harrlabursl:!, Pa., 

MANAGER 

EQUITABLE 

Life Assurance Society 

— OF THE — 

UNITED STATES, 

— FOR — 

OtBtnl ud latUrn PennsylTanla. 

Good territoiy open for active Agenti. 

JNO. I. D. BRISTOL, 

Geiural Special Agent and Manager for 
New York City 

NORTHWESTERN MUTUAL LIFE INS. CO. 

207 Broad^way, 



Corner Ftalton Street, 



NEW YORK. 



Gdabanteed Ca sh Valde s a Specialty 
joseph wells, 

Oanaml Agent 
Rationed Life Insureince Co. 

MONTPELIER, VT. 
151 BROADWAY, NBW YORK. 

IIANDFORD LINDSLEY, 

189 Broadway^ New York. 

GENERAL AGENT 

PHOENIX MUTUAL LIFE INS. CO. 

For New York City, New JerMjr and Long Island. 
ABBNTB WANTBI>, 

All Policies Protected from Forfeiture by Maasachnsettt 

Laws. Incorporated 1886. 

GENERAL AGENCY 

lei Eoniand lotoal Life Insnrance Co. 

OF Boston, Massachusbtts. 

KENNY & RATCLIFFE, Gea'l Agents, 

908 Broadwmp, eor, I'WIfon Street. 
(P. O. Box 1800.) 

L SPENCER GOBLE, 

STATE AGENT, 
Southern New York and Northern New Jersey 

OF TMB 

MUTUAL BENEFIT LIFE INS. CO. 

OF NEWARK, N. J. 

Office, 137 Broadway, New York, 




Tbukphonb Call, 688-16. 



WiLUAM H. Bbbks, President. 



TERM DEPARTMENT 

New York Life Insurance Company, 

1 and 3 UNION SQUARE, oor. 14lh St 
J. C MIX« Manager. XT^^W "Z'OX'^C. R. J. MIX, Asst. Manager. 



Special Terms to Good Agents. 



BROWN & VATER, 

THE LEADING BROKERS OF THE 
WORLD'S FAIR CITY, 

5oe 7:bx] B002:x]Zi"z-, 
CHICAGO, III. 



B. A. Shanklin. 



F. P. Elwbs. 



F. P. Elwes & Co. 

FIRE nSURilCE AGBITS UD BROKERS, 

6, 8, lo a 12 Pacific Avenue, 

BetablUhed 1884. CHICAGO, ILL. 



THE INSURANCE YEAR BOOK. 



PHENOMENAL GI^OWTTH 



The Mutual Life Ins. Co. 



OK NEW YORK. 



The advance made by the Mutual Life Insurance Company during the past 
seven years is phenomenal when compared with the progress of any or all of its 
would-be competitors. 

The Growth of its Assets. 

In 1884 its total assets amounted to $103,876,178.5 1 

In 1890 its total assets amounted to 147,154,961.20 

A gain of more than $43,000,000.00 

Its Marvellous Increase in Business. 

In 1884 the new risks amounted to $34,681,420.00 

In 1890 the new risks amounted to 160,985,986.00 

Gain in 1890 over 1884 $126,304,566.00 

Annual Income Nearly Double. 

The total income in 1884 was $19,095,318.41 

The total income in 1890 was 34,97^,77^.69 

Gain in 1890 over 1884 $15,883,460.28 

The Total Insurance in Force. 

In 1884 the total insurance in force was $351,789,285.00 

In 1890 the total insurance in force was 638,226,865.00 

Gain of insurance in force $286,437,5^00 



The Mutual Life Insurance Company has more insurance in force upon the lives of citizens of 
the United States than any other company, thus showing its reputation in its own country. 

OYER THREE HUIDRED ULLIOIS Pe TO THE POUCTHOLDEJIS. 

The assets of The Mutual Life Insurance Company are often referred to as " The Great Family 
Fund " held by the Trustees of the Company for ite policyholders. 

During the year 1890 The Mutual Life Insurance Company of New York paid to its policy- 
holders from this fund the enormous sum of 116,973,200.05, the largest amount paid in any one year 
by any Life Insurance Company in the world. The total sum paid to the insured since the formation 
of The Mutual Life in 1843 exceeds three hundred millions of dollars, the exact sum being (304,- 
655,147.17. The mind can scarcely grasp the immensity of this sum of money, or realize the im- 
measurable benefits accomplished by its distribution. It has relieved the wants of the needy, has 
carried comfort to sorrowing widows and orphans, and has saved from destitution and poverty the 
hoary head of age. 



THE INSURANCE YEAR BOOK. 



27 



THE 



Fidelity and Casualty Co. 

Assets, July, 1890, about $1,500,000.00. 

FIDELITY DEPARTMENT. 

Bonds of Suretyship for persons in positions of 
trust, such as ofl&cers and employees of corpora- 
tions, etc., etc. 

CASUALTY DEPARTMENT. 

Policies insuring indiTiduals or employers 
against accidents to themselves or their employees 
plate glass against breakage, and steam boilers 
against explosion. 




W^M. M. RICHARDS, President. 

GEORGE F. SEWARD, Vice-President. ROBT. J. HILLAS, Secretary. 

EDW. L. SHAW, AssisUnt Secretary. 



General Offices, Nos. 140 to 146 Broadway, New York City. 



QUEEN 



INSURANCE COMPANY. 



Office for New York, New Jersey, Maine, New Hampshire, Vermont, Massachusetts, Rhode 

Island, Connecticut, Pennsylvania, Maryland, Delaware and District of Columbia--6o Wall 

Street, New York. 
Office for Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Nebraska, Colorado, Missouri, 

Ohio, West Virginia, Wisconsin, Montana, Wyoming, DakoU and New Mexico— Rookery 

Building, 217 La Salle Street, Chicago. 
Office for Kentucky, Tennessee, Virginia, North Carolina, South Carolina, Georgia, Louisiana, 

Texas, Florida, Alabama, Mississippi and Arkansas— Louisville, Ky. 



28 THE INSURANCE YEAR BOOK. 

ESTABUSHED 1845. ESTABUSHKD 1845. 

FIRE INSURANCE COMPANY 

OF LIVERPOOL, ENGLAND. 

Head Oflee letropoUtu Dbtrlet, - M fill Stmti lew Toik. 



SUiement of the United States Branch, Jannarj i, 1891. 

U. S. Govemme^^oodt, maiket value.. 



R.R. Firit Mortgage Bonds $3,999,38^00 

U. S. Government Boodt, market value 663,soo.oo 

Real Estate z,8i8,» 



Cash in Banks and Offices 584,667.17 

Demand Loans 85.000.00 

Uncollected Premioi^ 473,471.41 

Other Assets 30,961.64 

|6|978»780JS 

Unpaid Losses, Unearned Premiums, and other Liabilities ..$3,800,139.34 

SURPLUS .V...|8»178,4BL0i 



BOA.RD OP" MAXA.OSMSNT. 
J. D. VsRMiLYB, Osgood Welsh, J. H. Inman, Hbnky Parish, Pebdbrick D. TxpraN. 
P. BBDDALL, Ilaaaffer. WII. W. HBN8HAW, Aat*t Manager. 



.^ 




^^^ 



SURETY ON BONDS, 

AMERICAN SURETY COMPANY, 

160 Broadway, New York. 
CASE CAPITAL, - ~ - tl,000,000. 

W. L. Tkbhholm, Prssideat. Hbnky D. Lyman, Vico-Presideat. 



Bi a i e m et^, l>eee m h€r 81st, 1890. 

BONDSMEN RESOURCES (Inchiding Capital, $1,000,000) 9 1 ,46 1 ,006.44 

SUPERSEDED. LIABILITIES (Indudinc Reserve, PSOJSitJSa) 208.754'.44* 

Bonds guanuiteeing the honesty of Officers and Employees of Banks, Railway, Express, Telegraph and Telephone 
ComMnies, other Corporations and Business Houses. 

This Company will act as surety on Bonds required in the Courts. 

RESIDENT TRUSTEES. NEW YORK.— Wm. A. Wheebck, John H. Inman, Wm. B. Leonard, John J. 
Knox, F. W. Vanderbilt, Cornelius N. Bliss, Henry H. Cook, WmTB. Kendall. Tohn A. McCall, Heniy B. Plant, 



£. F. Brownins, J. W. Pinchot, Geo. F. Vietor, W. S. Gumee, James A. Hayden, John J. McCook, 11. W. Cooper, 
W. L. Tienholm, Walter S. Johnston, C. H. Ludington, H. D. Lyman, Wm. Nelson Cromwell. 

RESIDENT TRUSTEE. BOSTON.— JohnP. Spaulding. 

RESIDENT TRUSTEES, PHILADELPHIA.— Henry D. Welsh, John C. BuUitt, George W. Blabon, John 
N. Hutchinson, John W. Hampton, Jr., Henry K. Fox. 

RESIDENT TRUSTEES, CHICAGO.-Geo. M. Pullman, John de Koven, Thomas S. Kirkwood, Jesse Spslding. 

RESIDENT TRUSTEES, ST. LOUIS— Chas. H. Turner, Geo. S. Drake, Carios S. Greeley, R. C. Kerens. 
PRINCIPAL JVOBNCIBS. 

Gborgb W. Manninc, Manager Turner Building, St. Louis 

Z. L. TiDBALL, Manager , Tacoma Building, Chicago 

Hbnry K. Fox, Attorney Bullitt Building, Philadelphia 

GoorBBv MoBSB, Attorney 40 Water Street, Boatoa 

W. T. Shackblpord. Agent Post-Office Avenue and Sd Streets, Baltimore 

J. M. Sbars, Agent « W. 8d Street, Cindnnad 

Albxandbr Dixon, Manager, Chief Agent for Canada 87 Adehdde Street, East, Toronto 

Jas. R. Gakniss, Agent ; 819 Sansome Street, San Frandsoo 

Bingham ft Douglass, Agents Comer Bank and Superior Streets, Cleveland 

A. G. Lindsay, Agent » GriswoW Street. Detroit 

JTas. B. Stbvbnson, Agent FldeMty Building^Pittsbarg 

RiCHAKD B. CoMSTOCx, Attorney and Agent Ji7 Custom House StreetTProvideoce 

WoRMBLL, Brannbn ft Kbllogg, Agents Ernst Cranmer Building, Denver 

1. D. Sutton, Agent '. American Bank Building. Kansss Clly 

SHOLBS ft Hamilton, Agents Fizst Nadooal Bank Bmldmg, Omaha 



THE INSURANCE YEAR BOOK. 



29 



Liverpool & London & Globe 

INSURANCE COMPANY. 



Established 1836. 



Entered U. S. 1848. 



Statement of United States Brancb, Jan. ist, 1891. 



ASSETS. 



Real Estate, .... 

Loans on Bond and Mortgage, - 

U. S. Government 4 per cent Bonds, 

State and City Bonds, - 

Cash in Banks, 

Other admitted Assets, - 



LIABILITIES. 



■ $1,524,500-00 

2,241,350.00 

■ 1,894,400.00 

323,375-00 
666,307.88 
810,062.26 

$7,459,995.14 



Unearned Premiums, 
Unadjusted Losses, 
Perpetual Policy Liability, - 
All other Liabilities, 
Surplus, 



$3,376,318.58 
456,302.88 

335,137-23 

286,102.64 

$3,oo6,i33.8x 



$7,459,99SI4 



Total Fire Losses Paid in tbe United States, exceed - $49,687,874 



Ne^w York Board, - 



CHARLES H. MARSHALL, Chairman. 
JOHN A. STEWART, 
JAMES E. PULSFORD, 
JOHN CROSBY BROWN. 
EDMUND D. RANDOLPH. 



Resident Manager— HENRY W. EATON. 

Deputy Manager— GEO. W. HOYT. 



30 THE INSURANCE YEAR BOOK. 



SPLENDID OPPORTUNITIES FOR AGENTS 



IN THE INDUSTRIAL BRANCH OF THE 



METROPOLITAN 



LIFE INSURANCE COMPANY, 



BRANCHES IN ALL THE PRINCIPAL CITIES OF 

THE NE^V ENGLAND. MIDDLE AND 

^VESTERN STATES. 



Apply to the Home Office, 

Corner Park Puce and Church Streets, 
new york city. 



THE INSURANCE YEAR BOOK. 



31 



SUN FIRE OFFICE 



OF LONDON. 



S^oixzxded, J^^ ID., 



1710. 



United States Branch, 54 Pine Street, N. Y. 



J. J. GUII^E, Nfanager. 

MORRIS FRANKLIN, Sec*y Agency Dept. J. J. PURCELL, Scc*y Metropolitan Dept. 

W. F. BINGHAM, Assistant Secretary. 



UNITED STATES TRUSTEES: 
George D. Morgan. Henry M. Alexander. 



John J. McCook. 



INCORPORATEJID 183 S. 



NATIONAL 

Fire Insurance Company 



n TBI CIT7 Of raw 70BK. 



No. 35 Pine Street. 



Henry T. Drowne, President. 

J. H. Kattenstroth, Secretary 



Agencies in all the Principal Cities. 



ALLIANCE 

Insurance Assoeiation, 



67 and 69 WILLIAM STREET, 



NEW YORK. 



Fife Insurance. Stoek Company. 



JAMES YEREANCE, Pres. 

A. MALTBIE, Sec'y 



THE INSURANCE YEAR BOOK. 



The Provident Savings 



LIFE ASSURANCE SOCIETY. 



HOME OFFICE, 29 BROADWAY, NEW YORK. 



WM. E. STEVENS, Secretary. SHEPPARD HOMANS, President. 



Renewable Ten Insurance a Specialty. 



The least expensive, the safest and the fairest contract of 
life insurance in the market. Good agents wanted in all desirable 
localities. 

Extracts from the Official Report of the Insurance Depart- 
ment of the State of New York, for the year ending December 31, 
1890. 



Premium receipts in 1890 

Dividends paid policyholders 

Percentage of dividends to premiums 

t 
Insurance in force December 31st, 1890 

Average premium charged to each $1000 

Which were thus appropnated : 

For dividends 

For death claims and expenses 

For other purposes 

Average premium as above 

Net average cost of insurance, less dividends 

Net assets to each |ioo of liabilities 



PROVIDENT 
SAVINGS. 



11,512.590.53 
346,529.48 

22.91 

65,131,509.00 

23.22 

5-32 
16.17 

1-73 
23.22 

17.90 

2H.97 



OTHER 
COMPANIES. 



$148,041,358.85 

I3.924»97i.3i 

9.41 

3,477.824,242.00 

42.57 

4.00 
28.24 
10.33 
42.57 
38.57 
113.48 



Statutory Requirements- 



synopses OF THE Statutory Requirements of the 
Various States and Territories. 



In the pages immediately following we present a brief synopsis of the statutory 
requirements of each of the various States and Territories relating to Life Insurance. 
The laws of the different States are generally in a hodge-podge condition, consisting 
of the original enactments, with various and sundry amendments thereto, passed by 
the legislatures at different periods. It has been our aim in preparing this synopsis to 
secure uniformity for all the States, and to present the essential requirements in as 
brief a space as possible consistent with a statement of the facts. In order to do this- 
it has been necessary to refer to the laws and the amendments thereto, to instructions^ 
issued by insurance officials, and to consult various other authorities. We have 
endeavored to give all the material points necessary for a company to secure admission 
to any given State, or to secure a renewal of its license, with a statement of the taxes, 
fees, etc., exacted of them. The synopsis for each State was sent to the Supervising 
Officer of such State and was returned with bis approval or with such corrections as he 
deemed essential. This is certainly the briefest form in which this information 
has ever been presented, and we believe it to be as correct as it is possible to make it ; 
also that it will prove satisfactory to all desiring information relative to the statutory 
requirements of the different States. By curtailing the space heretofore devoted to 
the publication of the various State laws, we are enabled to present other valuable 
features relating to Life Insurance, mention of which will be found in the preface 
to this work. 



Alabama. ♦ 

Supervising Officer, CYRUS D. HOGUE, Aupitor of State. Montgomery. 

Preliminary Documents, — Copy of charter must be filed with Auditor ; also copy of annual 
statement showing condition of the company December 31 preceding. 

AttofneY,—A\\ agents of company must be authorized to accept service of legal process. 
Every company must designate some place within the State as its principal office, and some 
person or agent residing in such place as an attorney to accept service of legal process. 

Funds, — The law specifies that "all insurance companies doing business in the State" miist 
bave $100,000 capital, paid up in cash. No provision for mutual life companies. Companies 
that shall invest in the State the net reserve upon policies issued upon the lives of citizens of 
Alabama shall be entitled to the rights and privileges accorded to State companies. 

Deposit, — None required. 

Valuation of Policies, — No provision. 

Annual Statements, — To be filed January 10 or within thirty days thereafter, showing 
condition of company at clo8«» of preceding year. There must also be filed in July of each year 
J-3 



34 STATUTORY REQUIREMENTS. 

with the Auditor a statement showin^c the gross j>remium8 received, the amount paid for taxes 
and licenses in each county and the amount of funds invested in the State. 

Agents, — Agents must procure certificates from Auditor and file same, together with copy 
of annual statement, with the Judge of Probate of the county wherein agent does business. 
Certificate to be renewed annually in July. Any person soliciting or otherwise transacting the 
business of insurance is held to be an agent of the company, not of the assured. Agent 
required to report in January of each year to the Assessor of the county in which he is located 
the amount of premiums taken, losses, expenditures and return premiums. Agent held 
responsible for payment of taxes. 

Fees. — To Judges of Probate for.filing certificate, I5. 

Licenses. — Every company must pay to the Treasurer in January of each year $100 for a 
license to do business. 

Taxes. — A tax is imposed of one per cent on net premiums. 

Penalties. — Agent doing business for an unauthorized company is liable to a fine not 
exceeding $1000, or imprisonment not exceeding six months. Agents are also liable for losses 
if business was placed in violation of U«v. 

Miscellaneous Companies, — Fidelity or surety companies required to deposit $25,000 with 
the State Treasurer, and to comply with the laws relating to other State companies. 



Arizona. 

Supervising Officer, JOHN Y. T. SMITH, Territorial Treafurer, Prescott. 

Preliminary Documents.— Compsiny must file with the Territorial Treasurer a statement 
giving the name and location of the company, amount of capital stock, assets and net surplus, 
and receive from him a certificate of authority to do business. 

Att.mey, — Company must file a stipulation authorizing any agent in the territory to accept 
service of legal process. 

Funds. — No requirement. 

Deposit, — None required. 

Valuation of Policies, — No provision. 

Annual Statements. — Annual statements must be filed with the Territorial Treasurer in the 
month of March of each year. 

Agents, — Agents must obtain certificate of authority to do business from the Territorial 
Treasurer. Any person acting in any way for an insurance company is considered an agent of 
such company and subject to the regulations and penalties of the Insurance Act. 

Fees,— To the Territorial Treasurer: For filing statement, $5 ; issuing certificates of author- 
ity, $5 ; issuing certificate to agent, $2. 

Ucenses.^No provision. 

Taxes. — Upon filing the annual statement, a verified statement must also be submitted, 
showing the total premium receipts collected within the territory for the period lapsing since 
the filing of the previous statement. Such statement must be published in at least one news- 
paper in the Territory ; thereupon the Treasurer will levy a tax of one and one-half per cent 
upon such premium receipts, which shall be paid to the Treasurer before certificate of authority 
can be renewed. This tax to be in lieu of all other taxes or licenses. 

Penalties, — Any person violating the provisions of the insurance law shall, upon conviction, 
be fined in any sum not exceeding $1000. 

Miscellaneous Companies, — No provision for companies other than life and fire. 



Arkansas. 



Supervising Officer, W. S. DUNLOP, Auditor and Insurance Commissxonsr, 

Little Rock. 
Preliminary Documents. — Copy of charter must be filed with the State Auditor ; also state- 
ment showing the condition of the company at the close of the preceding year. In accordance 



STATUTORY REQUIREMENTS. 35 



with the act approved March 6, 1891, all insurance companies doing business in the State must 
give a bond in the sum of $20,000, with three sureties to be approved by the Secretary of State, 
conditioned for the prompt payment of all claims arising under policies issued by them. Two 
of the sureties must be residents of the State, or a bond executed by a guarantee or trustee com- 
pany located in and doing business in the State, when approved by the Secretary of State, will 
be accepted in lieu of individual bonds. In all actions arising under policies the bondsmen of 
the company may be made parties to the suit, and judgments rendered against them may be 
enforced as other judgments are enforced. 

Attorney, — Company must file a stipulation designating the Auditor, or some person ap- 
pointed by him, as its attorney to accept service of lesral process. 

Funds. — Company must have assets equal to the net value of all policies in force. 

Deposit, — None required. 

Valuation of Policies, — The standard of valuation is the American Experience Table of 
Mortality and interest at four and one-half per cent. Valuation to be made annually unless 
certificate is furnished from the Insurance Commissioner of the State in which the company was 
organized, that the company is solvent on the above basis. 

Annual Statements, — Annual statements showing the condition of the company on Decem- 
ber 31, preceding, must be filed with the Auditor of the State on January i of each year, or 
within sixty days thereafter. 

Agents, — Agents must obtain certificates from Auditor. 

Fees, — Filing charter, $15 ; filing annual statement or certificates of Commissioners, $10 ; 
issuing certificate of authority, $2 ; copy of papers un file, 20 cents per folio ; certifying same 
and affixing seal, |i ; valuing policies, not exceeding three cents for each $1000 of insurance. 

Licenses, — No provision. 

Taxes, — At the time of filing annual statement with the Auditor a report must also be filed 
showing the amount of premiums received in the State during the year ending December 31, 
preceding, and, after deducting losses and commissions therefrom, a tax of two and one-half 
per cent must be paid into the State Treasury. Municipal licenses and taxes are prohibited. 

Penalties, — Company neglecting to file statement as required forfeits |ioo for each day's 
neglect. Any person transacting business without a license shall forfeit to the school fund 
$500, and shall be deemed guilty of a misdemeanor, and on conviction fined $500. Any officer 
or agent who shall make false statements or representations for the purpose of obtaining busi- 
ness sbsdl be deemed guilty of a felony, and on conviction, sentenced to the pentt%ntiary for 
not less than three or more than ten years. Any person acting for a company that has not filed 
the bond as above set forth shall be deemed guilty of a misdemeanor and fined not less than 
I20 or more than $100. 

Miscellaneous Companies, — No provision for companies other than life and fire. 



California. 

Supervising Officer, J. N. E. WILSON, Insurance Commissioner, San Francisco. 

Preliminary Documents, — Company must file with the Insurance Commissioner a certified 
copy of its charter and a certificate from the proper State official showing that it is duly 
organized and possessed of the assets required by this State ; also a statement of its condition 
on December 31 preceding. 

Attorney, — An agent of the company must be appointed attorney to accept service of legal 
process. 

Funds, — Every company must possess available cash assets over and above all liabilities 
amounting to at least $200,000. 

Deposit, — None required. 

Valuation of Policies, — Valuation will be made upon the basis of the Actuaries' Table, with 
interest at four per cent. Policies may be registered with the Insurance Commissioner, and 
the reserve on the same deposited with him. 

Annual Statements.-^Annual statement must be filed on or before the loth day of March each 
year, showing the condition of the company on December 31 preceding. Statement to b 



86 STATUTORY REQUIREMENTS. 

published one week in a daily newspaper published in the city where its principal oflSce is- 
located. All companies or persons engaged in the business of life insurance must file with the 
Commissioner, on or before the 5th day of January of each year, a statement verified by the 
oath of the principal officer or manager residing in the city, showing the amount of business- 
done in the State during the year ending on December 31 preceding. 

Agents, — Agents must procure certificate of authority from the Commissioner. If any life 
insurance solicitor shall have been in the employ of any other company within twelve months, 
he shall show by written evidence that all moneys he had received for such company had been 
paid to it or its general agent. An agent to collect premiums due from residents of the State 
may receive certificate of authority for this sole business. 

Fees,— '¥01 filing charter, $30 ; annual statement, $20 ; other papers, $5 ; license to solicitors 
or agents, $1 ; special agent of life insurance companies to collect renewal premiums, $ao ; 
copies of papers, twenty-five cents per folio ; certification, $1 ; valuation of policies, three ceot» 
for each $1000 of insurance value. Expenses of the office of the Commissioner, not covered 
by fees collected, to be assessed among the companies, proportionate to the amount of 
premiums received. Reciprocal legislation. 

Licenses, — See fees. 

Taxes, — Taxes provided for under reciprocal provision of the statute. 

Penalties, — For failing to file statement as required, (lOO and $200 for each month the 
company does business without filing such statement. For failing to answer fully and truth- 
fully written inquiries of the Commissioner, I500. For issuing a policy in the State without 
specifjdng that it is so issued, $100. 

Miscellaneous Companies, ^^\^q special legislation regarding companies other than life and 
fire. 

Municipal License. — San Francisco is authorized by statute to collect licenses from life 
insurance companies. The ordinance provides that each agent shall pay for each company 
represented by him the following sums : Those doing business to the amount of $50,000 or 
over per quarter, $100 per quarter ; $35,000 and less than $50,000, $75 per quarter ; $10,000 
and less than $35,000, $50 per quarter ; less than $10,000, $35 per quarter. Reciprocal 
provisions. 



Canada. 

Supervising Officer. WILLIAM FITZGERALD, Superintend^t of Insurance, Ottawa. 

Preliminary Documents, — Company must file certified copy of its charter and a statement 
showing its condition December 31 preceding. 

Attorney, — An agent of the company at its head office in Canada must be appointed to 
accept service of legal process. 

Funds, — None required. 

Deposit. — Companies are required to deposit $50,000 with the Minister of Finance, and to 
make additional deposits as required sufficient to equal the reinsurance reserve upon policies 
in force in Canada ; or to place such sum in the hands of Trustees in Canada for the benefit of 
Canadian policyholders, under a trust deed to be approved by the Minister. 

Valuation of Policies. —PoUcies are valued by Actuaries' Table of Mortality, with interest 
at four per cent. 

Annual Statements,— l£.zc\i company must file annually, on or before March i, a statement 
showing its condition at the usual balancing day of such company; policies to be valued every 
five years. 

Agents, — No provision regarding agents. 

Fees. — The expenses of the office of the Superintendent of Insurance to be paid by an 
assessment made pro rata upon the companies upon gross premiums received, not exceeding 
$8000 ; for valuing policies, three cents for each policy. 

Licenses,— EzzYi company must obtain a license from the Minister of Finance, to be renewed 
on April i of each year ; notice of the same to be published in The Canada Gazette and one 
newspaper in the place where the chief agency of the company is established ; publication to 



STATUTORY REQUIREMENTS. 37 



be continued for four weeks ; like notice to be given for three calendar months when the 
company proposes to cease business in Canada. 

Tax£s. — No provision for taxation. 

PtnaltUs. — For neglect to file annual statement, a penalty of $500 for each violation, and 
an additional penalty of $100 for each month during which the company is in default is pro- 
vided. Any person acting in any manner in behalf of an unlicensed company incurs a penalty 
of not less than $20 nor more than I50 for the first offense, and for the second offense imprison- 
ment without the option of a fine. 



Colorado. 

SiTPXRvisiNG Officer, JOHN M. HENDERSON, Superintendent of Insurance, Denver. 

Preliminary Documents, — Company must file a certified copy of its charter with a statement 
showing its condition on December 31 preceding. 

Attorney. — Supenntendent of Insurance must be appointed attorney for the company to 
accept service of legal process. 

Punds. — Company must have a capital of |2oo,ooo, or an equal amount of net surplus. 

Deposits, — None required. 

Valuation 0/ Foiides.—Folicits are valued by Actuaries' Experience Table, with interest at 
four per cent. 

Annual Statements, — Annual statements must be filed on or before March i of each year, 
showing the condition of the company on December 31 preceding. 

Agents, — Agents and solicitors are required to secure certificates from the Superintendent. 

IHserimination, — Company prohibited from making any discrimination or exception, 
either as 10 rates, dividends or terms. All conditions of the contract must be specified in the 
policy. 

Pees, — For filing charter, $25 ; if the capital of the company exceeds $250,000, 10 cents for 
each additional $1000 ; filing power of attorney and preliminary statement, $50 ; annual state- 
ment, $50 ; certificate of authority. $5 ; each copy of same, $2 *. if these fees do not meet the ex- 
penses of the office, the Superintendent is authorized to assess pro rata to make up the de- 
ficiency. 

LUenses, — See Agents. 

Taxes, — A tax of two per cent on net premiums is imposed, to be paid to Superintendent 
of Insurance. 

Penalties, — Licenses will be revoked on failure to pay fees. For refusal to answer ques- 
tions on examination or for false answers to such questions, or for making false entries in the 
books. The offender is subject to a fine or imprisonment, or both, in the discretion of the Court. 
Doing business for an unlicensed company, $500 for each offense. 

Miscellaneous Companies, — Companies other than life or fire, required to have a capital of 
not less than $100,000, and in other respects must conform to the requirements as above. 



Connecticut. 

SuPKRVisiNG Officer, O. R. FYLER, Insurance Commissioner, Hartford. 

Preliminary Documents, — Company required to file a certified copy of its charter showing 
the condition and affairs of the company. 

Attorney. — ^The Insurance Commissioner must be appointed attorney of the company to 
accept service of legal process. 

Funds, — ^Assets must be in excess of liabilities. 

Deposit, — None required. 

Valuation 0/ Policies, — Policies must be valued by the Actuaries' or Combined Experience 
Table, with interest at four per cent, net premiums only considered. Commieision^ 



38 STATUTORY REQUIREMENTS. 

accept the valuation of the proper official of the State where the company is organized in lieu 
of makint; valuation himself. 

Annual Statement, — Annual statement must be filed on or before the first day of March each 
year, showing the condition of the company on December 31 preceding. 

Agents, — Agents must procure a certificate of authority from the Commissioner before 
transacting business. 

Discrimination, — Companies are prohibited from making any discrimination in favor of 
individuals between insurants of the same class, in the amount of premiums or rates charged, 
or any dividends or other benefits payable, or any other terms and conditions of the contract* 
All conditions must be plainly expressed in the policy. Rebate on premium, directly or indi- 
rectly, prohibited. 

Fees, — License, $10; filing statement, $10; agent's certificate, $2; valuing life policies, 
reciprocal; other fees reciprocal. 

Licences. — See agents. 

Fenalties.—Of&ctt% or agents transacting business in violation of law are subject to a fine 
not less than |ioo nor more than $500 for each oSense. Agents liable to a fine from $100 to- 
$500 for doing business for unauthorized companies. For giving any rebate on premium in 
life insurance, a penalty of I500 incurred, and a revocation of the agent's certificate for three 
years. 

Miscellaneous Companies, — No provision relative to companies other than life and fire. 



Delaware. 

Supervising Officer, ISAAC N. FOOKS, Insurance Commissionek, Gborgetowk. 

Preliminary Documents.— Company must file a copy of its charter and a statement of its 
condition at^the close of the preceding year. 

Attorney — A person resident within the State must be appointed attorney for the company 
to accept service of legal process. 

Funds, — No requirement. 
Deposi t, — None required. 

Valuation of Policies, — Company required to furnish certificate of valuation of the Insur- 
ance Commissioner of either New York, Pennsylvania or Massachusetts, or of the State wherein 
it is incorporated. If incorporated in any other State its policy shall be valued on the New^ 
York basis. 

Annual Statements. — Annual statements must be filed on or before February i, showing the 
condition of the company at the close of the preceding year. 

Agents. — Each agent must procure a certificate from the Insurance Commissioner on his- 
filing with him a duplicate tax receipt showing that all taxes have bnen paid, and that he haa* 
procured a license from the Clerk of the Peace in the county in which his office is located. 

Fees, — To be paid to the Commissioner: For filing charter, |io; filing annual statement,. 
$10 ; each certificate of authority, %2 ; copies of papers on file in the office, twenty cents per 
folio ; affixing seal and certifying same, $1 ; examinations, actual expenses incurred. 

Licenses. — Every agent must pay a yearly license of $25 to the Commissioner an-d a fee of 
fiftyn:ents to the Clerk of the Peace of the county in which his office is located. 

Taxes, — On renewing his license annually every agent must furnish the Clerk of the Peace 
a statement showing the amount of premiums received within the State during the preceding- 
year, and shall pay a tax of one and one-half per cent upon the amount of such premium. 

Penalties, — For every violation of the law a fine not exceeding $1000, or imprisonment not 
exceeding one year, or both, is incurred. An agent neglecting to take out a license is liable to 
a fine of $500, or imprisonment not exceeding thirty days, or both. 

Miscellaneous Companies, — No provision for companies other than life and fire. 



STATUTORY REQUIREMENTS. 39 

District of Columbia. 

Supervising Officer, thb District Commissioners, MATTHEW TRIMBLE, Assessor, 

Washington. 

Preliminary Documents, — A statement must be filed with the Commissioners of the District 
showing the condition of the company at the close of the preceding year. 

Attamey^^hxk agent resident in the District must be appointed as attorney to accept service 
of legal process. 

F'unds, — Company must have assets equal to its liabilities. 

Deposit, — None required. 

Valuation of Policies, — Policies are valued on the American Experience Table of Mortality 
at four and one-half per cent interest. 

Annual Statements, — Annual statements must be filed with the Commissioners of the 
District on or before March i of each year. 

Agents, — No requirements. 

Pees. — No requirements. 

Licenses, — No requirements. 

Taxes. — No requirements. 

Penalties, — Company or agent doing business without having secured authority from the 
Assessor subject to a fine of $ioo for every offense. 

Miscellaneous Companies. — No requirements for companies other than life and fire. 



Florida. 

Supervising Officer, F. J. PONS, State Treasurer, Tallahassee. 

Preliminary JDocuments.-^lompaLny must file copy of its charter and statement of its 
fioancial condition on December 31 preceding. 

Att»mey.—EveTf agent of the company in the State must be authorized to accept service of 
legal process. 

Funds, — Each company must possess at least $100,000 in United States or State bonds, or 
other bankable interest-bearing stock of the United States at market value, or mortgages on 
unencumbered real estate worth double the amount loaned thereon. 

Deposit, — None required. 

Valuation of Policies, — No provision. 

Annual Statements. — ^Annual statements must be filed in the month of January each year. 

Agents. — Each agent must procure a license from the State Treasurer, to be renewed 
annually January i for each company represented by him. 

Fees. — For filing annual statement, $5. 

Licenses, — License for agent, $10 in each county wherein be does business. 

Taxes, — Each company required to pay an annual tax of |2oo. 

Penalties, — For making false returns or statements a fine is incurred of not less than I500 
nor more than $5000. For a violation of any of the provisions of the law a fine not exceeding 
$1000. or imprisonment not exceeding six months, or both, is imposed. 

Miscellaneous Companies,— ^o provision for companies other than life and fire. 



Georgia. ' 

Supervising Officer, W. A.WRIGHT, Insurance Commissioner, Atlanta. 

Preliminary Documents, — A copy of the charter must be filed with the Insurance Commis- 
sioner and statement showing the condition of the company on December 31 preceding. Also 
certificate of the proper officer of the State in which the company is organized, showing that it 
has adequate funds and is entitled to do business. 



40 STATUTORY REQUIREMENTS. 



j4Uomey,^Some resident of the State must be appointed attorney for the association to 
accept form of legal process. 

Funds, — Each company must possess at least $100,000 in bonds and stocks, estimated at 
their marlcet value, or mortgages on real estate worth double the amount for which the same is 
mortgaged. 

Deposit. — None required. Certificate of Insurance Commissioner home State. 

Valuation of Policies. — Policies shall be valued upon the basis of the Actuaries' Table at 
four per cent interest. 

Annual Statements, — This State requires thit semi-annual statements shall be filed, show* 
ing the condition of the company on June 30 and December 31 of each year. The first state- 
ment to be filed on or before the last day of April, and the midsummer statement on or before 
the last day of August of each year. Semi-annual statements to be made to the Governor, and 
an annual statement in addition to the Comptroller-General. Both to be published in a news- 
paper of general circulation published in the town where the agent making the report is 
located. 

Agents, — Agents must procure certificates of authority from the Insurance Commissioner. 

Discrimination, — No provision. 

Fees, — For filing charter or certificate relative to same, $30; filing statement, $3o; certifi- 
cates to agents, $3; reciprocal provisions as to other fees. 

Licenses, ^'Evexj agent before transacting business must procure a license. 

Tc^es. — Agents are required to make return to the Comptroller-General for a year, endings 
on the 30th of April, and report showing the total amount of premiums received in the State by 
agencies, and on or before the first day of July in each year must pay a tax of one per cent 
thereon. Special and traveling agents must also pay a tax of $50 for privilege to do business 
in the State at large. 

Penalties, — For violation of any of the provisions of the law relating to insurance a penalty 
is provided of not less than $100 nor more than $1000. For default in payment of taxes a 
penalty of $500. 

Miscellaneous Companies, — Life and accident insurance companies must show that they 
have on deposit with the proper officer of the State in which they are incorporated, or of the 
State of Georgia, not less than $100,000 in securities that he may deem equivalent to cash, sub- 
ject to his order, as a guaranteed fund for the security of policyholders. 



Idaho. 

Supervising Officer, FRANK R. COFFIN, State Treasurer, Boise City. 

Preliminary Documents,— Company must file a statement showing the name and locality 
of the company, amount of capital stock, amount paid up, amount of assets and liabilities, net 
surplus, and receipts and expenditures during the preceding year. 

Attorney, — An agent or attorney resident of the State must be appointed to accept service 
of legal process. 

Funds, — Company must be possessed of an actual paid-up capital of not less than $100,000, 
or assets to an equal amount. 

Deposit. — None required. 

Valuation of Policies, — No provision. 

Annual Statements, — Annual statement must be filed with the State Treasurer in April, 
showing the condition of the company December 31 preceding. 

Agents. — Agents required to obtain certificate to do business from the Treasurer, renewable 
annually in April. 

Fees. — To the State Treasurer, for filing statement, $1 ; issuing certificates, $a. 

Licenses, — Company must pay to the Treasurer a license fee of $50 on filing its first state* 
ment, and annually thereafter on filing its annual statement in April, 

Taxes, — No provision. 

Penalties, — For transacting business without certificate, or after certificate shall have been 
withdrawn, the ofiander is deemed guilty of a misdemeanor and subject to a fine not exceeding 



STATUTORY REQUIREMENTS. 41 

fioo, or imprisooment in the county jail not exceeding six months, or both, in the discretion 
ot the court. 

MUceUaiuous Compames, — No provision for companies other than life and fire. 



Illinois. 

SupsKvisiNG Officer, CHARLES W. PAVEY, Auditor of Public Accounts, Springfield. 

Preliminary Docununts^—Q^m^^iij must file a copy of its charter, and a statement showing 
its condition, and a copy of the last annual report made in accordance with the laws of the 
State wherein the company was incorporated. Also a stipulation that its authority to do 
business shall cease and terminate whenever it shall make application to remove into any 
United States court any action commenced against it in any of the State courts. 

Attcmey. — Company must appoint an attorney to accept service of legal process and certify 
such appointment to the Auditor. 

Funds. — Each company must possess actual assets of the value of at least $100,000, 
properly invested. 

Deposit, — Of |ioo,ooo, or certificate of such deposit with proper officer of some State, for 
benefit of all policyholders. 

Valuation of Policies. — ^The basis of valuation is the Actuaries' or Combined Experience 
Table of Mortality, with interest at four per cent. 

Annual Statement.^KxkXkvaX statement must be filed on or before the first day of March of 
each year, showing the standing of the company December 31 preceding. Such statement to 
be published by the Auditor in two daily papers of general circulation — one in Chicago, the 
other in Springfield — ^for not less than one month. 

Agents^ — Every agent must procure a certificate of authority from the Auditor, to be 
renewed annually. Agents, in all advertisements of the company, shall state its location and 
the authority under which it is organized, and shall exhibit on his sign desigaating his place 
of business the name of the State in which the company is incorporated ; shall print the name 
of the State in large type upon all policies issued and upon all pamphlets, circulars, etc., pub- 
lished or circulated in the State, relating to the business of the company. 

Discrimination, — No provision. 

Fees, — For filing copy of charter, $30 ; annual statement, $10 ; issuing agent's certificate, 
f2 ; copy of papers on file, twenty cents per folio ; certifying the same, |i; valuation of policies, 
three cents per $1000 of insurance ; examinations, actual expense incurred. Reciprocal pro- 
vision covering other fees. 

Taxes, — No provision. 

Penalties. — Company neglecting to file its statement within the time prescribed is liable to 
a fine of $100 for each day during which such default continues. 

Miscellafuous Companies. — Accident companies must possess paid-up capital of not less 
than $100,000 ; must file annual statement on or before the first of March of each year. They 
must maintain a reinsurance reserve of fifty per cent of the gross premiums. Agents must 
procure certificates annually on the first day of March. Company doing business without 
having complied with the law liable to a fine not exceeding $1000. Other miscellaneoas com- 
panies required to have $100,000 capital, actually paid up and deposited with the proper officer 
of some State, held in trust for the benefit of its policyholders. In all other respects must 
comply with the general fire insurance law. 



Indiana. 

Supervising Officer.— f. O. HENDERSON, Auditor of State, Indianapolis. 

Preliminary Documents. — Company must file copy of its charter and a statement showing 
its condition at the close of the preceding year. 

Attorney, — Every agent of the company must be authorized to accept service of legal 
process. 



42 STATUTORY REQUIREMENTS. 

» 

Funds. — No requirements. 

Deposit, — None required. 

Valuation of Policies, — No provision. 

Annual Statements, — Semi-annual statements are required to be filed with the Auditor in 
the months of January and July, copies of which must be published in two leading daily news- 
papers in the State. 

Agents. — Agents must procure a certificate of authority from the Auditor, to be renewed 
semi-annually upon the filing of the semi-annual statements. Copy of certificate, with certi- 
fied copy of the statement on which it was obtained, must be filed with the clerk of the Circuit 
Court of the county in which the agent does business. 

Fees, — For examination of statements and investigations, $5 ; accepting service as attorney,. 
$3 ; filing copy of same, $5 ; certificate of authority issued, $2 ; to Clerk of Court for filing 
certificate, 50 cents ; examination of companies, actual expenses incurred ; reciprocal pro- 
visions regulating other fees. 

Licenses. — None required. 

Taxes. — In the months of January and July of each year companies are required to 
report to the Auditor the gross premiums received in the State for the preceding six months- 
ending on the last days of December and June, and, at the same time, shall pay into the State 
treasury I3 for every $100 of premiums, after deducting losses actually paid within the State. 

Penalties. — For any violation of the laws relating to insurance a fine not exceeding $1000 
is incurred, or imprisonment in the county jail not more than 30 days, or both. For neglecc 
to report premiums and pay taxes thereon a forfeiture of $100 for each day of such default is 
provided. 

Miscellaneous Companies. — No provision for companies other than life or fire. 



Iowa. 

Supervising Officer— JAMES A. LYONS. Auditor of State, Des Moines. 

Preliminary Documents, — Company must file a copy of its charter and a statement showing 
its condition, and a copy of its last annual report. 

Attorney, — Companies must appoint an agent as its attorney in each county in which the 
company has an agency, to accept service of legal process, and file with the Auditor certificate 
of such appointment. 

Funds. — Company must have at least $100,000 of assets invested in stocks or bonds of 
the United States, of the State of Iowa, or ot the State wherein it is incorporated, or mongages 
on unencumbered real estate worth double the amount of the loan. Such securities must be 
deposited with the proper officer of the State in which such company is located, to be held in 
trust for the benefit of all policyholders. 

Deposits, — None required. 

Valuation of Policies. — Policies to be valued upon the basis of the American Experience 
Table of Mortality, with interest at 4^^ per cent, or upon the basis of the Actuaries' Combined 
Experience Table of Mortality, with interest at 4 per cent. 

Annual Statements, — Annual statement must be filed with the Auditor on or before the ist 
day of April ot each year showing the condition of the company on December 31 preceding. 

Agents, — Agents must procure annually from the Auditor certificate of authority to do 
business, a certified copy of which must be filed in the office of the County Recorder of the 
county wherein the office of the agent is located. Local and traveling agents must procure 
certified copy of the certificate of authority issued to the company. In all advertisements, 
agents must state the location of the company and the authority under which it is organized. 

Discrimination. — N o pro vi sio n . 

Fees. — For filing certified copy of charter, .I25 ; annual statement, $20 ; issuing certificate 
of authority and certified copy thereof, $2 ; copies of papers, 20 cents per folio ; certification of 
same, $1 ; valuing policies, $10 per million of insurance or a fraction thereof ; examination of 
companies, actual expenses incurred ; other fees regulated by reciprocal provision. 

Licenses, — See Agents. 



STATUTORY REQUIREMENTS. 43 



Taxes, — ^At the time of filing annual statement, company ia required to pay a tax of ^% 
per cent upon gross premium receipts received in the State during the preceding year. This 
tax to be in lieu of all local taxes. 

Penaltus, — Failure to file annual statement or procure certificate of authority incurs a pen- 
alty of $ioo for every day's default. Agents transacting business during the period of such 
default shall forfeit $300. Agent failing to obtain certificate of authority to forfeit $25 for eacl^ 
day's neglect. 

Miscellaneous Companies, — No provision for companies other than life and fire. 



Kansas. 

SlTTERVISING OFFICER— W. H McBRIDE, SUPBRINTENDBNT OF fNSURANCB, TOPBKA. 

Preliminary Documents, — Company must file a copy of its charter and a copy of its last 
annual report to show the condition of the company on December 31 preceding. 

Attorney, — The Superintendent of Insurance must be appointed the attorney of the com* 
pany to accept service of legal process. The company must file with the insurance department, 
its written consent, irrevocable, that actions may be commenced against the company in any' 
county in the State in which the cause of action shall arise or plaintiff shall reside, and that 
service of process on the Superintendent shall be binding on the officers of the company. 

Funds, — Every company must possess assets equal to at least $100,000 invested in the 
bonds of the United States, of the State of Kansas, or of the State in which it was incorporated^ 
or mortgages on unencumbered real estate worth double the amount loaned. 

Deposit — Securities to the amount of $100,000 must be deposited with the proper official of 
the State wherein the company is incorporated for security of all policyholders of the com* 
pany. 

Valuation of Policies. — Valuations to be made upon the American Experience Table of 
Mortality, with interest at four and one-half per cent. Policies to be valued once in three 
years unless the same are valued in accordance with the laws of some other State, in which 
case a certificate of such valuation shall be furnished the Superintendent. 

Annual Statements, — Annual statements must be filed previous to March i each year,, 
showing the condition of the company on December 31 preceding. A synopsis of such state- 
ments roust be published in each county where the company has an agent. 

Agents, — Every agent must procure a license from the Superintendent to be renewed March 
I of each year. 

Fees, — Filing charter, $55 ; annual statement, $50 ; issuing licenses to agents, $2 ; copies of 
papers on file, 20 cents per folio ; certification of same, $1 ; valuation of policies, i cent for 
every $1000 of insurance ; for examinations, actual expenses incurred. If the fees provided 
do not cover the expenses of the office, the deficiency shall be assessed equally upon all com- 
panies doing business in the State. Reciprocal provisions to regulate other fees. 

Licenses, — See Agents. 

Taxes.^A tax of 2 per cent to be paid annually by foreign companies on or before March 
I of each year, on gross premiums received in the State the previous year. Reciprocal pro- 
visions to regulate taxes of companies of other States. 

Penalties, — Companies or agents transacting business without complying with the law, 
subject to a fine of $500. For a violation of any of the provisions of the law, the guilty person 
is subject to a penalty of not less than $100 or more than $500. 

Miscellaneous Companies, — No special provisions other than life and fire« 



Kentucky. 



Supervising Officer.— H. F. DUNCAN, Insurance Commissioner, Frankfort. 
Preliminary Documents. — Company must file copy of its charter and a copy of its annual, 
sutement, showing its condition December 31 preceding. 



44 STATUTORY REQUIREMENTS. 

Attorney, — Compaoy must authorize any affent to ackoowledf^e sendee of legal process aod 
consent that service upon such agent shall be binding to the company. 

Funds. — Company must possess assets to the amount of at least $150,000. 

Deposit. — The certificate of the proper officer of some other State to the effect that he holds 
on deposit, for the benefit of 'all policyholders in such company, securities to the value of 
9100,000. must be filed with the Commissioner. 

Valuation of Policies. — ^The basis of valuation is the American Experience Table of Mor- 
tality, with interest at four and a-half per cent A certificate from the proper officer of another 
State will be accepted as to valuation. 

Annttal Statements, — Annual statements must be filed on or before March 10, showing the 
condition of the company December 31 preceding. 

Agents. — Agents must procure a license from the Auditor authorizing them to do business 
in the State; certificates to be renewed annually. In all advertisements agents must state the 
location of the company he represents and the government under which it is organized. 

Fees. — For original deposit of security, fro; for filing certified copy of charter, $40; annual 
statement, $40; supplementary statement, $25; for license to each agent, $ 10; industrial life, 
%i\ for copies of papers on file, 20 cents per folio; certification, $1; making valuations, not to 
exceed 3 cents for every $1000 of insurance; examinations, actual expenses incurred; recip- 
rocal provisions relative to other fees. In case the fees collected do not equal the expenses 
of the oiHce, the Commissioner is authorized to assess the deficiency upon the companies. 

Licenses. — See Agents. 

Tcuces. — ^The State agent of the company, or a special agent designated for that purpose, 
or some officer of the company, shall, on the first days of January and July of each year, or 
within 30 days thereafter, file a statement with the Auditor, showing all premiums received 
or receivable by the agents of the company in the State, the amount of insurance effected dur- 
ing the preceding six months and on or before the first Mondays of February and August in 
each year, shall pay into the State Treasury a tax of (2.50 upon each $100 of net premiums 
received in cash. 

Penalties. — ^An agent transacting business without a license, subject to a penalty not 
exceeding $50 for each offense, and imprisonment if fine is not paid. An agent doing business 
after the revocation of his license incurs a penalty not exceeding $100. Company neglecting 
to make returns as required to forfeit $500. Company appealing from a judgment against it, 
subject to a penalty of ten per cent of the amount of such judgment. Company removing a 
suit against it from the State to the Federal Court forfeits its license ta do business. 

Miscellaneous Companies. — Companies may be authorized to transact the following kinds of 
insurance, viz.: Accident, fidelity, live stock, plate glass, steam boiler and burglary; must 
have a paid-up capital of $150,000, or a deposit of $100,000, with the proper officer of some 
State, but before it can be authorized to do more than one kind of business in this State it 
must have a deposit equal to $100,000 for the first kind and $50,000 for each additional kind of 
business to be done. Companies are required to comply with the statutes relating to fire and 
marine companies of other State?. 



Louisiana. 

Supervising Officer— SIMEON TOBY, Secretary of State, New Orleans. 

Preliminary Documents. — Compaoy must file a copy of its charter and a certificate of the 
Insurance Commissioner of its home State that it is entitled to do business in that State ; also 
a copy of its last annual statement duly certified by the president and secretary. 

A ttoTTiey. —Axi agent of the company must be appointed to accept service of legal process. 

Funds. — No requirement. 

Deposit. — None required. 

Valuation of Policies. — No provision. 

Annual Statements.^CompRuy must file with the State Auditor within ninety days from the 
first day of January of each year an annual statement similar to the one required by the State in 
which the company is organized. 



STATUTORY REQUIREMENTS. 45 



Agents, — Agents required to obtain licenses and to post same in a conspicuons place in 
their oflSces. License to be obtained for each company represented by tbe agent. 

Fees. — For filing copy of charter and issuing certificate, $25 ; filing annual statements, $15 ; 
issuing certificate of authority to agents, $2 ; change of power of attorney and certifying 
same, $3. 

Licenses, -^F ox first-class, where premiums exceed $300,000, tbe fee is $1750 ; second class, 
premiums exceeding $250,000, tbe fee is $1250 ; third class, where premiums exceed $200,000, 
the fee is $1250 ; fourth class, where the premiums exceed $150,000, the fee is $1000; fifth 
class, where the premiums exceed $100,000, the fee is $750 ; sixth class, where the premiums 
exceed $80,000, the fee is $700 ; seventh class, where the premiums exceed $70,000, the fee is 
$650 ; eighth class, where the premiums exceed $60,000, the fee is $600 ; ninth class, where the 
premiums exceed $50,000, the fee is $550 ; tenth class, where the premiums exceed $40,000, 
the fee is $500 ; eleventh class, where the premiums exceed $30,000, the fee is $450 ; twelfth 
class, where the premiums exceed $20,000, the fee is $400; thirteenth class, where the pre- 
miums exceed $10,000, $350; where the premiums are $10,000 or less, $300. These fees are 
paid to the Tax Collectors, who begin collecting on the 2d of January of each year. Every 
municipal corporation in tbe State where the agent resides is authorized to collect the 
same amount of license 9s the State, but New Orleans is the only city that does so. Tbe basis 
of license for companies entering the State between January and July is computed upon the 
premiums received during the first two months, multiplied by six. Companies entering after 
the I St of July pay half-yearly license. 

Miscellaneous Companies, — No provision for companies other than life and fire. All com- 
panies must file statements and pay licenses. 



Maine. 

SupRRVisiNG Officer — ^J. O. SMITH, Insurance Commissioner, Augusta. 

Preliminary Documents. — Company must file a certified copy of its charter and by-laws and 
a statement showing its financial condition. 

Attorney. — Agents must be authorized to accept service of legal process. If no agent can 
be found, service upon tbe Commissioner shall be valid. 

Funds. — Company mast possess net assets to the amount of $100,000 invested in real es- 
tate or secured by bonds, stocks and other available securities. 

Deposit, — None required. 

Valuation of Policies. — Basis of valuation is the Actuaries' or Combined Experience Table 
of Mortality, interest at four per cent. 

Annual Statements,'^Annuz\ statements must be filed on or before the last day of January 
in each year, showing tbe condition of the company on December 31 preceding. 

Agents. — Agents must procure license from the Commissioner renewable on the first day 
of July of each year. 

Fees. — Agent's license, $1 ; examination of company, actual expenses incurred. 

Licenses, — Company must procure a license to do business renewable on the 1st day of 
July In each year ; fee, $20. 

Taxes, — Company must file an annual statement on or before the 3i6t day of January, stat- 
ing the amount of premiums received in the State during the year ending December 31 preced- 
ing, the amount of loss and return premiums to be deducted. Upon the balance of such 
premiums the company to pay a tax of two per cent on or before the ist of May. Other taxes 
in aiccordance with reciprocal provisions. 

Penalties, — Agent acting for a company not licensed incurs a penalty of not more than $50 
for each ofifense. Company or agent doing business after notice from tbe Commissioner to 
suspend, incurs a fine not exceeding $200. 

Miscellaneous Companies, — No provisions for companies other than life, accident and fire. 



46 STATUTORY REQUIREMENTS. 

Maryland. 

Supervising Officer, J. F. C. TALBOTT, Insurance Commissioner, Baltimore. 

Preliminary Documents, — Company most file with rhe Insurance Commissioner, a certified 
copy of its charter and a certificate from the proper oflScer of the State wherein the company 
was organized showing that it is entitled to transact business ; also a statement showing the 
condition of the company. 

Attorney, — An agent must be authorized to accept service of legal process. In the absence 
of an agent, service may be made on the Commissioner. 

/Wif^.— Company must possess assets satisfactorily invested to the amount of $100,000. 

Deposit, — None required. 

Valuation of Policies, — The basts of valuation Is the American Experience Table of Mor- 
tality, with interest at four and one-half per cent. Commissioner is required to accept the val- 
uation of other State insurance offiicials, if made in accordance with the basis here given. 

Annual Statements, — Annual statements must be filed within sixty days from January i of 
each year, showing the condition of the company on December 31 preceding. An abstract of 
the statement must be published by the Commissioner prior to the first day of April, once a 
week for three weeks in a newspaper published in Baltimore, and the company must pub- 
lish a similar abstract three consecutive times. 

Agents, — Agents and solicitors must obtain a certificate of authority from the Commissioner, 
renewable annually on January i of each year. 

Fees, — Filing certified copy of charter, $25 ; annual statement, $25 ; certificate to agent, $10; 
cenificate to sub-agent or solicitor appointed by general agent, $2 ; for abstract ot annual state- 
ment, |2 ; also net cost of publication ; copies of papers filed in department, 20 cents per 
folio ; certification, |i ; valuing policies; $30 per million of insurance or fraction thereof ; for 
examination of company, actual expenses incurred. 

Licenses, — Upon procuring certificate of authority to do business. Company is required to 
pay into the State Treasury, $300 and proportionately for any fraction of a year it may do 
business preceding December 31. Licenses for sub-agents or solicitors, $2. 

Taxes, — General agent is required to report to the Insurance Commissioner gross pre- 
miums received and losses paid during the preceding year, and to pay into the treasury a tax 
of one and one-half per cent upon such premiums, not including endowments. Other taxation 
regulated by reciprocal provision. 

Penalties, — For violation of any of the provisions of the law relating to insurance, a fine is 
imposed of not less than $100 nor more than $1000, 

Miscellaneous Companies, — Industrial companies must take a bond from each agent or 
5o1icitor of not less than $50. No provisions relative to accident, fidelity or other miscel- 
laneous companies. 

Massachusetts, 

Supervising Officer, GEORGE S. MERRILL, Insurance Commissioner, Boston. 

Preliminary Documents, — Copy of charter must be filed with the Insurance Commissioner; also 
statement showing the condition of the company on December 31 preceding. 

Attorney. — The Insurance Commissioner must be appointed attorney of the company to accept 
service of legal process. 

Funds, — Company must possess available cash funds of not less than $100,000. 

Deposit, — Not required. 

Valuation of Policies, — The basis of valuation is the Combined Experience or Actuaries* Table 
of Mortality. The assets of a company, composing its legal reserve, shall be valued so that the annual 
income therefrom shall not be less than four per cent of the valuation. Loans and credits shall not 
be allowed for more than their face value, nor shall any asset or investment be allowed at more than 
its market value. 

Annual Statements, — ^Annual statements must be filed with the Commissioner on or before 
January 15, showing the condition of the company at the close of the previous year and its businen 
transactions. 



STATUTORY REQUIREMENTS. 47 



Agents. — ^Agents must pi;ocure certificate from the Commissioner, renewable annually, and must 
file with the Treasurer a bond, approved by the Insurance Commissioner, in the sum of $500, 
conditioned that he will make all the returns required by law. 

^«fj.— Filing charter, I30; filing statement, $20; issuing agents* certificate, $2; certificate of 
valuation, $2; service of process on Commissioner, $2; valuation of policies, five mills for each 
$1000; copies of papers, twelve cents per page; certifying same, $1. 

Licenses, — Agents must procure licenses. See Fees. 

Taxes, — Every company must pay an excise tax of one-quarter of one per cent upon the net 
▼alne of all policies in force on December 31 preceding, held by residents of the State ; company 
or its general agent must report on or before May 10 of each year to the Tax Commissioner the 
number, date and class of policies so held, ages of the assured, net value of each policy and their 
aggregate net value, upon which the tax shall be assessed. 

Penalties. — Contract issued by a company doing business without authority shall be valid, but 
the agent issuing such contract is liable to a fine not exceeding $500; agent doing business without 
procuring certificate, or failing to make returns, liable to a fine of $500; agent making false repre- 
sentations, liable to a fine not exceeding $1000. Any company failing to make returns to the Tax 
Commissioner shall forfeit $50 for each day*s neglect. Commissioner authorized to extend time on 
application. For making a false statement a company incurs a penalty of not less than $500 or more 
than $5000. 

MisceUaneotis Companies, ^^'^o provisions for companies other than life and fire. 



Michigan. 

Supervising Officer, WILLIAM E. MAGILL, Commissioner op Insurance, Lansing. 

Preliminary Documents, — Every company must file a copy of its charter and a sworn state- 
ment gi^iofiT the name, location, capital and condition of the company ; also a copy of its last 
annual report. 

Attorney, — Company must appoint an attorney to accept service of legal process. 

/NWM<i>. ^-Company must possess at least $100,000. properly invested. 

Deposit, — Company must have a deposit of $100,000 with the proper officer of some State 
for the benefit of all its policyholders, and furnish certificate of such officer. $50,000 of these 
securities must be United States or State bonds. 

Valuation of Policies. — Basis of valuation is the American Experience Table of Mortality, 
with interest at four and one-half per cent. 

Annual Statements, — Annual statements must be filed in the month of January of each 
year, showing the condition of the company on December 31 preceding. 

Agents. — No requirement. 

Fees, — For valuation of policies, one cent for every $1000 of insurance ; examination of 
companies, actual expenses incurred. Reciprocal provisions regulate other fees. 

Licenses. — Company must obtain license from the Commissioner before commencing 
business. 

Taxes. — Company required to make sworn return to the State Treasurer of the gross 
premiums received in the State during the preceding year, and shall, at the time of filing its 
annual statement, pay a tax of two per cent on all premiums received in cash or otherwise. 
This tax in lieu of all other taxes. 

Penalties. — Companies doing business without complying with the law subject to a 
penalty of $100 for every application obtained or contract made. Any person soliciting 
business or making any insurance contract before coaiplying with the law of the State liable 
to a penalty of $100 for every application obtained or contract made. And any person who 
may have paid money for such contract will be entitled to recover the same from the person to 
whom it is paid. 

Miscellaneous Companies, — Accident, plate glass, live stock and steam boiler insurance 
companies must make returns of gross premiums received, and pay tax on the same at the 
rate of two per cent. 



48 STATUTORY REQUIREMENTS. 

Minnesota. 

Supervising Officer, C. H. SMITH, Insurance Commissioner, St. Paul. 

Preliminary Documents. — Company must file a certified copy of its charter and a statement 
showing the condition of tbe company. 

A ttorney, —Com^iiiky must designate one or more agents as attorneys to accept service of 
legal process, and also file a stipulation that any legal process served on the Insurance Com- 
missioner shall be binding on the company. 

Funds, — Company must possess available assets, properly invested, to the amount of at 
least $100,000. 

Deposit. — Company must furnish a certificate from the proper official of the State where the 
home office of the company is located, showing that tbe company has on deposit for the benefit 
of all policyholders of the company securities to the amount of |ioo,ooo, or, failing to furnish 
such certificate, such deposit must be made with the Commissioner of the State. 

Valuation of Policies, — The basis of valuation is the American Experience Table of Mor- 
tality, with interest at four and one-half per cent. 

Annual Statements, — Annual statement must be filed within forty days from January i, 
showing the condition of the company on December 31 preceding. Such statements must be 
published at least three times in a dsily or weekly newspaper of general circulation, published 
in Hennepin or Ramsay counties, having a circulation of 2000 copies or more ; or in the county 
where the State sgency of the company is located. 

Agents, — Every agent must procure a certificate of authority from the Commissioner, to 
be renewed annually within sixty days from January x of each year. In all advertisements of 
the company or agency the name and location of the company must be given, and in all 
advertisements and circulars the amount the company had at risk on December 31 preceding 
must be stated. 

Fees, — For filing certified copy of charter, $25 ; filing annual statement, $35 ; issuing 
certificate of authority and certified copies thereof, %i each ; copies of papers on file, twenty 
cents per folio ; certifying same, $1 ; valuing life policies, $ 10 per million of insurance or 
fraction thereof ; examination of companies, actual expenses incurred. In case the fees do 
not equal the expense of the Commissioner's office the deficiency may be assessed equally 
upon the companies doing business in the State. Other fees regulated by reciprocal provision. 

Zi«ifj«.— See Agents. • 

Taxes, — A tax of two per cent is imposed upon all premiums collected within tbe State 
during the preceding year, which must be paid to the Treasurer annually when certificate of 
authority is issued. Other taxes regulated by reciprocal legislation. 

Penalties, — Doing business as an agent without a license subjects the offender to a fine 
not exceeding $100. Neglect of company to transmit statement incurs a forfeiture of $100 for 
each day's neglect. A company willfully making a false statement is liable to a penalty of 
$500. A company neglecting to furnish information asked for by the Commissioner incurs a 
penalty of $500. Any company violating any of the provisions of the law, or that shall, " bj 
means of any advertisement, circular, notice or statement, printed or wiitten. to be posted or 
circulated, through and by the agency of any officer, agent or person, or by any other means 
falsely represent or hold out to the public that the capital stock of such company is greater 
than its actual amount, or that the accumulations of such company are greater than their 
actual cash or market value, every officer or agent of such company guilty of any willful par- 
ticipation therein shall be deemed guilty of a misdemeanor, and on conviction shall be 
punished by a fine not exceeding fiooo, or by imprisonment in the county jail not exceeding 
three months, or by both fine and imprisonment at the discretion of the court." Any company 
after having published misrepresentations as above, that shall receive any money, note or 
obligation from any person as a consideration for any insurance made or to be made by such 
company, such money, note or obligation shall be deemed to have been received without 
consideration, and any officer or agent who may have received the sum shall be jointly and 
severally liable in a civil action for the repayment, and liable to the person insured for the 
amount of the premium paid. 

Miscellantous Companies, — No provision for companies other than life and fire. 



STATUTORY REQUIREMENTS. 49 

Mississippi. 

Supervising Officer, W. W. STONE. Auditor of Public Accounts, Jackson. 

Preliminary Documents, — Company must file a copy of its charter and statement showing 
the name, location, capital, assets and liabilities of the company. 

Attorney, — An agent of the company must be empowered to accept service of legal 
process. 

Funds. — Company must possess at least $150,000 of actual capital or assets of an equal 
amount satisfactorily invested. 

Deposit. — Each life company whose capital does not exceed $250,000 is required to deposit 
in the State Treasury $10,000 in four per cent State bonds or currency, and $15,000 in United 
States bonds. Companies whose capital exceeds $250,000 and is less than $500,000, required 
to deposit $15,000 in four per cent State bonds or currency and $5000 in United States bonds. 
Companies whose capital exceeds $500,000 must deposit $20,000 in four per cent State bonds 
or currency and $5000 in United States bonds. 
Valuation of Policies, — No. provision. 

Annual Statements, — Annual statements must be filed on or before March i, showing the 
condition of the company December 31 preceding. 

Agents, — Agent must procure a certificate of authority from the Auditor previously fur- 
nishing liim with a certificate from the Tax Collector that the privilege tax has been paid. 
Every agent must file in the office of the Chancery Court of the county in which he does busi- 
ness a copy of the company's statement, together with his certificate of authority. Certificates 
to be renewed and filed annually. 

Fees. — ^To Auditor : For issuing license and receiving statements, $5 ; to Clerk of Chancery 
Court for filing statement, 50 cents. 

Licenses. — No provision. 

Taxes. — For the privilege of doing business in the State, company must pay a privilege tax 
of $750. 

Penalties. — On conviction of violation of any of the provisions of the law relating to insur- 
ance the offender is subject to a penalty of $500 and imprisonment in the county jail not more 
than twelve months. 

Miscellaneous Companies, — Accident insurance companies must pay a privilege tax of $250. 



Missouri. 

Supervising Officer, C. P. ELLERBE, Superintendent of Insurance, St. Louis. 

Preliminary Documents, --ComTp^uy must file a certified copy of its charter and a statement 
showing its condition December 31 preceding, and a copy of its last annual report. 

Attorney, — Superintendent of Insurance must be authorized to accept service of legal 
process. 

Funds, — Stock companies must possess paid-up capital of $100,000, and mutual companies 
must possess assets of like amount. 

Deposit, — Company must have on deposit with the proper officer of the State wherein it is 
chartered $100,000 for the security of all its policyholders, invested in United States stocks or 
bonds, or bonds or stocks of the State wherein the company was incorporated, or of the State 
of Missouri, or loans on bonds and mortgages of unencumbered real estate worth double the 
amount loaned. 

Valuation of Policies, — No provision. 

Annual Statements, — Annual statements must be filed on or before February i, showing the 
condition of the company on December 31 preceding. 

Agents, — Agents must procure a certificate of authority from the Superintendent to be re- 
newed annually. 

Fees, — For filing statement and copy of charter, $50; filing annual statement, $30; filing sup- 
plementary statements, $10 ; filing any other papers required, $10 ; issuing agent's certificate, 
1.-4 



60 STATUTORY REQUIREMENTS. 

$2; furnishing copies of papers on file, 20 cents per folio; certifjiog same, |i; valuation of poli- 
cies, $10 for each one million of insurance or fractional part thereof. If the expenses of the 
department exceed the fees collected, the Superintendent is authorized to assess the com- 
panies to malce up the deficiency ; leciprocal provision regulating other fees. 

Licenses, — Agents of any compsny doing business in any city in the State having a popula- 
tion of more than 100,000 must pay to the collector of such city, on or before February i each 
year, $100, and obtain from him a license. 

Taxes. — An annual statement must be made on or before January 31 each year, to the 
Superintendent, showing premiums received by the company in cash or notes in each county 
in the State and in the city of St. Louis during the preceding year, and pay a tax of one per 
cent upon the excess of premiums over losses paid and return premiums. Taxes to be paid on or 
before April i to the State Treasurer. Each agent, on or before February z each year, must file a 
statement with the Assessor of the county in which he does business showing the amount of 
premiums received and, after deducting losses and return premiums, shall pay taxes on the 
excess at the same rate as other property in such county is assessed ; other taxation covered by 
reciprocal legislation. 

Penalties, — An agent neglecting to pay the fees or taxes assessed is subject to a fine of 
$200 ; company neglecting payment of taxes or fees for ten days after written demand therefor 
is liable to pay double the amount thereof ; for any violation of the laws relating to insurance 
penalty of not less than $50 nor more than $500 is incurred. Agents doing business without 
authority subject to a fine of not less than $10 nor more than $100, or imprisonment not less 
than ten days nor more than six months, or both such fine and imprisonment. 

Miscellaneous Companies^^^'So provision for companies other than life and fire. 



Montana. 

Supervising Officer, E. A. KENNEY, State Auditor, Helena. 

Preliminary Documents. '-Company must h\e a certified copy of its charter, with a state- 
ment as to the name of company, location, amount of capital and details of its condition. 

Attorney, — Company must appoint an attorney in each county in which its agencies are 
established, resident of the county seat, to accept service of legal process. 

/fl»^^.— Company must have deposited with the proper officer of some one of the States 
or Territories a sum of not less than $100,000 for the benefit of policyholders. 

Z><^«/.— See Funds. 

Valuation of Policies, — No provision. 

Annual Statements, — Ancuial statements must be filed with the Auditor within ninety days 
from January i each year, showing the condition of the company December 31 preceding. 

Agents, — Agents must procure a certificate of authority from the Auditor, and in all 
advertisements publish the location of the company. 

Fees, — For filing application of company and issuing license, $50; filing annual state- 
ments, $25 ; issuing certificate of authority, $2 ; copies of papers on file, ten cents per folio ; 
certifying same, fifty cents ; for examinations of companies, the necessary expenses involved. 
Other fees regulated by reciprocal provisions. 

Licenses, — No provision. 

Taxes, — Each agent must report to the Tax Assessor of the county wherein he does 
business the amount of premiums received over losses and expenses during the preceding 
year, and shall pay a tax upon the excess at the same rate that personal property is taxed. 
Agent personally liable for the tax. If the agent neglects or refuses to render statement of 
premiums the Assessor will assess the amount according to the best of his Icnowledge, and 
the County Board of Equalization may add fifty per cent to the amount returned by the 
Assessor. This in lieu of all other taxation except on real estate. 

Penalties, — For every violation of the law or failure to comply with its requirements a fine 
not exceeding $1000 and imprisonment not exceeding six months is imposed. 

Miscellaneous Companies. — No provision for companies other than life and fire. 



STATUTORY REQUIREMENTS. 61 

Nebraska. 

Supervising Officbr, T. H. BENTON. Auditor of Public Accounts, Lincoln. 

Preliminary Documents. — Company mast file a copy of its charter and a statement showing 
its location, capital, assets and liabilities in detail, and a copy of its last annual report. 

Attorney* — An agent of the company must be authorized to accept service of legal process. 

Funds, — Every company must be possessed of properly invested assets to the amount of 
not less than $100,000. 

Vahioiion of Policies, — No provision. 

Annual Statements, — Annual statements must be filed in the month of January of each 
year, showing the condition of the company on December 31 preceding. 

Agents. -^AgeniB must procure from the Auditor a certificate and file same, together with 
a copy of the company's statement, ia the oflice of the Clerk of the county in which they do 
business. The statement and certificate to be published one week in a daily and four weeks in 
a weekly newspaper published in the county in which the agency is established. If there is no 
diily paper the weekly publication will be sufficient. Certificates to be renewed annually and 
published in the same way. In all advertisements agents must state the name and location 
of the company they represent and the State or government under whose laws it was incor- 
porated. 

Pees, — For filing first application of company and issuing certificate, $50 ; filing annual 
statement, $20 ; each certificate of authority. $2 ; copies of papers on file, ten cents per folio ; 
certifying same, fifty cents ; examinations of companies, actual expenses incurred. Other fees 
in accordance with reciprocal provision. 

Licenses, — No provision. 

Taxes, — ^The excess of premiums over losses and expenses is taxed at the same rate that 
personal property is taxed. Agents required to file list with the proper officer in the county 
in which he does business, and is personally liable for the amount of the tax. In case of his 
refusal to render the list the Assessor will assess the amount due according to his best informa- 
tion. This in lieu of all other taxes and licenses except on real estate. 

Penalties, — No provision. 

Miscellaneous Companies, — Plate glass companies may transact such business within the 
State, provided they have a paid-up capital of $100,000 or more, deposited with their proper 
State officials, and fully complying with all the insurance laws of this State relating to foreign 
insurance companies. 

Nevada. 

Supervising Officer, R. L. HORTON, State Controller, Carson City. 

Preliminary Documents, — Stock companies must file with the Controller a certificate 
showing that it possesses a paid-up, unimpaired cash capital of $200,000 or more. Filing of 
certified copy of the charter optional with the Controller. 

Attorney, — Company must authorize some citizen and resident of the State to accept 
service of legal process. In case of the death or removal of such person, service may be made 
on the Controller. 

Funds, — Mutual life insurance companies must have assets amounting to $100,000 and 
upwards. 

Deposit, — None required. 

Valuation of Policies, — No provision. 

Annual Statements, — Annual statements must be filed in the month of January in each year, 
showing the condition of the company on December 31 preceding. 

Agents, — Company having outstanding policies in the State may appoint agents to collect 
premiums, provided it appoints an attorney as required. Controller will issue certificates to 
such agents. 

Fees,'-'E,rtTy company must pay a license fee of $100 annually. For filing power of 
attorney and issuing certificate, $5. 

Licenses, — See Fees. 



52 STATUTORY REQUIREMENTS. 



Taxes, — No provision. 

Penalties, — Company neglecting to file its annual statement shall forfeit fioo for each 
day's neglect, and its authority to do business shall be revoked. For making a false statement 
the company and the person making the oath by subscribing to it may be punished by a fine 
of not less than $500 nor more than $5000. 

Miscellaneous Companies, — Other insurance companies of whatever kind or character, 
except charitable secret societies, must file an annual statement in the month of January with> 
the State Controller. 

New Hampshire. 

Supervising Officer, JOHN C. LINE HAN, Insurance Commissioner, Concord. 

Preliminary Documents, — Company must file a copy of its charter and by-laws and a state- 
ment showing the condition of the affairs of the company. 

Attorney, — The Insurance Commissioner must be appointed attorney of the company ta 
accept service of legal process. 

Funds, — Company must possess assets to the amount of $200,000. 

Deposit, — None required. 

Valuation 0/ Policies, — The basis of valuation is the Actuaries' Table of Mortality, with, 
interest at four per cent. 

Annual Statements, — Annual statement must be filed with the Commissioner on or before 
February i, showing the condition of the company December 31 preceding. 

Agents, — Each agent must file with the Commissioner a certificate setting forth that he is- 
duly authorized to act as such and receive a license from the Commissioner, renewable anna- 
ally on April X. Agents must be residents of the State. Any person representing a company 
in any manner shall be deemed the agent of the company and not of the assured. 

Fees. — For filing copy of charter, $25 ; filing statement, $15 ; license to company, $5 ; 
license to agents, $2. 

Licenses, — See Fees. 

Taxes, — Company must annually, on or before January i of each year, submit to the Com- 
missioner a verified statement showing the gross amount of premiums received from residents 
of the State for the preceding year, and upon such premiums the Commissioner shall assess a 
tax of one per cent, which must be paid into the State treasury within thirty days- after 
receiving notice of the assessment. 

Penalties, — Any violation of the law relating to insurance subjects the offender to a fine 
not exceeding $2000 for each offense. Any person assuming to act as an agent without license 
subject to a fine of not more than $500 for each offense. An agent procuring a premium 
through fraudulent representations is liable to a fine of not more than $500, or imprisonment 
not more than one year. 

Miscellaneous Companies. — No provision for companies other than life and fire. 



New Jersey. 

Supervising Officer, G. B. M. HARVEY. Insurance Commissioner, Trenton. 

Preliminary Documents, — Company must file with the Insurance Commissioner a statement 
showing the condition and business of the company, giving the name and residence of each 
agent of the company in the State. 

Attorney. — No provision. 

Funds, — No requirements. 

Deposit, — None required. 

Valuation of Policies, — Basis of valuation of policies, the American Experience Table of 
Mortality with interest at four and one-half per cent, or the Actuaries' Table of Mortality 
with interest at four per cent, or any other recognized standard of valuation. 

Annual i/s/^fm^/lr.— Annual statements must be filed with the Insurance Commissioner 



STATUTORY REQUIREMENTS. 68 



during the month of January showing the condition of the company December 31 preceding, 
and state thQ name and residence and amount of premiums received by each agent during the 
preceding year. 

Agents. — Each agent must procure from the Insurance Commissioner a certificate of 
authority to do business. Certificates renewable annually in the month of January. 

Fees. — For filing a copy of charter, $3o ; annual statements, $20 ; certificates to agent, $3. 
Other fees regulated by reciprocal provision. 

Licenses. — No provision. 

Taxex, — Companies located in States which do not impose a greater tax upon companies 
of New Jersey, must pay annually the sum of $20 for each agent appointed by and acting for 
it ; other taxes governed by reciprocal provision. Agents of industrial companies are exempt 
-from the charge of (20. 

PenaUUs. — For any violation of the insurance law the offender incurs a penalty of not more 
than $500 for each offense. It is required that every advertisement wherein the assets of the 
•company are stated, its liabilities must also be seated, and the announcement of unpaid capital 
is prohibited. A violation of this provision incurs a penalty of not more than $500 for each 
ofiense. The same fines are provided for agents convicted of doing business without authority 
or for soliciting for unauthorised companies. A failure on the part of the company to file its 
annual statement within a specified time incurs a penalty of $500 for each month it continues 
In default. 



New Mexico. 

Supervising Officer, TRINIDAD ALARID, Territorial Auditor, Santa Fe. 

Preliminary Documents. — See Attorney. 

Attorney. — Company must appoint in each county in which it does business an attorney to 
accept service of legal process. Such attorney must reside at the county seat and may be an 
agent of the company. 

Funds. — No provision. 

Deposit, — None required. 

Vatuation of PoUcies. — No provision. 

Annual Statements. — Annual statements must be filed with the Auditor and a synopsis of 
the same must be published in one newspaper in every county wherein the company has an 
^ent. 

Agents.— 'Oti or before February i of each year, every agent must file with the Auditor a 
-sworn statement of the amount of premiums received by him during the preceding year, 
together with his annual license fee. Every agent must be a resident of the Territory. Com- 
panies must have at least one agent at t'le county seat of every county in which it solicits 
'business. 

Fees. — For examination of first application of company and issuing certificate, $25 ; for 
-filing annual statements, $5 ; certificate to agent, |i ; copies of papers on file, 10 cents per 
folio, and 25 cents for certifying the same. 

Licenses. — The amount of license to be paid each year by agents is determined by the 
amount of its premium receipts upon the following basis : When the receipts are less than 
^10,000 during the year, the license fee is $25 ; over |io,ooo and less than f20.ooo, $50; for 
every |io,ooo over and above $20,000, an additional fee of $50 is required. 

Taxes. — Agents must make a return to the Assessor of the county of premiums received, 
and losses and expenses incurred, and a tax will be levied upon the balance the same as upon 
personal property. Other taxes governed by reciprocal legislation. 

Penalties. — No provision. Failing to comply with any of the requirements of this act, or 
violating any of the provisions thereof, shall be deemed guilty of a misdemeanor, and, upon 
conviction thereof, shall be fined in a sum not exceeding $1000, and be imprisoned in the 
<ounty jail for a period of not less than thirty days nor more than six months. 

Miscellaneous Companies. — No provisions for companies other than life and fire. 



54 STATUTORY REQUIREMENTS. 

New York. 

Supervising Officer, J. F. PIERCE, Supsrimtendbnt of Insurance, Albany. 

Preliminary Docum^Mts.-^ComptLay mast file with the Superiatendent a certified copy of 
its charter and a statement verified by the president, vice-president or other chief officer and 
secretary, giving the name, location, capital, assets and liabilities of the company in detail. 
Also a copy of its last annual statement made in conformity to the laws of the State in which 
it was organized. Company must obtain from the Superintendent a certificate of authority to 
do business. 

Altorfuy.—The Superintendent of the Insurance Department must be appointed attorney 
for the company to accept service of legal process. 

Funds, — Company must possess at least $100,000 of assets invested in United States bonds 
or in securities of the State in which it is located, or of New York State, or of any county or 
incorporated city of this State authorized by the legislature to issue bobds, such stocks or 
bonds not to be received at a rate above their par value or above the market value. Or the 
company may invest the amount of assets above named in bonds or mortgage on improved, 
unincumbered real estate in the State of New York, worth double the amount losned thereon^ 
or in mortgages on improved, unencumbered real estate in the State where it is located, worth 
fifty per cent more than the amount loaned thereon. 

Deposit — Company must have on deposit with the proper financial officer of the State 
wherein it was incorporated at least f 100,000, and must file a certificate with the Superintend- 
ent that such sum is held for the benefit of all its policyholders. 

Valuation of Policies, — Policies to be valued on the basis of the Actuaries' Combined 
Experience Table of Mortality, with interest at four per cent. Superintendent may accept the 
valuation made by the insurance official of any State that is authorized to accept the valuation 
made by the New York department. 

Annual Statements. — Annual statements must be filed on or before March z, showing the 
condition of the company on December 31 preceding. 

Agents, — Each agent must procure from the Superintendent a certificate authorizing him to 
do business. A duplicate of such certificate must be filed in the office of the Superintendent 
of the Insurance Department, and must be renewed annually. 

Fees.'^Yox filing charter, $30 ; filing annual statement, $20 ; certificates to agents, such 
sum not exceeding $5 as shall be fixed by the Superintendent ; copies of papers on file, ten 
cents per folio ; certiiyiog same, %i ; examinations of companies, actual expenses incurred. 

Licenses, — No provision. 

Taxes, — Companies of foreign countries must pay to the Superintendent on or before 
March i of each year a tax of two per cent upon premiums received in the State during the 
preceding year. Other taxes regulated by reciprocal provisions. 

Penalties, — Company failing to file annual statement as required by law subject to a 
penalty of $500, and $500 additional for each month it remains in default. The statute prevents 
a life company from making any discrimination between insurants of the same class and of 
the same expectation of life, either in the amount of premiums charged or in return of pre- 
mium dividends or other advantages. Any person violating this provision of the law shall be 
deemed guilty of a misdemeanor, and on conviction thereof the Superintendent is required to 
revoke his certificate of authority, and is prohibited from issuing another to him for the term of 
three years from the date of his conviction. 

Miscellaneous Companies, —'PX^xe glass companies must make the same deposit as life 
companies and obtain a certificate of authority from the Superintendent 



North Carolina. 



Supervising Officer, W. L. SAUNDERS, Secretary of State, Raleigh. \^ 
Preliminary Documents, — Company must file with the Secretary of State a certified copy ot 
its charter and a statement verified by the principal officer of the company or by its general 
agent in the State, showing its condition. 



STATUTORY REQUIREMENTS. 66 



Attorney, — ^A general agent resident in the State must be designated to accept service of 
1^^ process in behalf of the company. 

Funds, — No requirements. 

Deposit, — None required. 

Valuation of Policies, — No provision. 

Annual Statements, -^PLVLnvLdX statement must be filed with the Secretary of State on or 
before March x. Abstracts of these must be published in one newspaper of general circu« 
lation. 

Agents, — No provisions. 

Fees, — Sec Licenses. 

Licenses, — License to company to do business, $50 per annum. Renewable April i of 
each year. 

Taxes, — General agents shall, within thirty days from January x and July i of each year, 
make a sworn statement of the gross receipts obtained by them from residents of the State 
during the preceding six months, and shall, within the first fifteen days of February and 
August of each year, pay to the Secretary of State a tax of two per cent upon such gross 
receipts. If, however, the agent can show that the company has invested in real property in 
the State, or made loans secured by mortgage to citizens of the State in a sum equal to one- 
half of such gross receipts, then the tax shall be but one per cent on such gross receipts. 

Penalties, — ^An agent unlawfully expending the funds of the company shall upon conviction 
be deemed guilty of a felony and be punished accordingly. For any violation of the law in 
solicitiDg or collecting premiums the offender shall forfeit and pay to the Sherifi of the county 
in which he may be found, for the use and benefit of such Sberifi, $50 for each offense, to be 
recovered before any justice of the peace. General agents neglecting to conform to the law 
shall forfeit and pay to the Secretary of State $50 for every violation. 

Miscellaneous Companies. — No provisions relative to companies other than life and fire. 



North Dakota. 

SuFB&visiNG Officer, A. L. CAREY, Commissionbr of Insurakcb, Bismarck. 

Preliminary Documents, — Company must file with the Commissioner a copy of its charter 
and a statement showing its financial condition. 

^tf0fif<y.— Company must appoint in each ludicial District of the State an attorney to ac- 
cept service of legal process. 

/Wisd^x.— Company must possess available cash funds of not less than $100,000. 

Deposit, — None required. 

Valuation of Policy, — ^The basis of valuation is the Combined Experience or Actuaries' 
Table of Mortality. The assets of a company, composing its legal reserve, shall be valued so 
that the annual income therefrom shall not be less than four per cent of the valuation. Loans 
and credits shall not be allowed for more than their face value, nor shall any asset or investment 
be allowed at more than its market value. 

Annual Statements, — ^Annual statement must be filed with the Commissioner within one 
month from January i, showing its condition on December 31 preceding. Such statement must 
be published at least three times in some newspaper of general circulation in each Judicial 
District of the State in which such insurance company shall have an agency. A duplicate of 
such statement must be filed in the office of the Register of Deeds in the county where an 
agency is maintained. Statements for publication must be made out on blanks furnished by 
the Commissioner. Proof of publication must be filed with the Insurance Commissioner, to 
wit : The afildavit of the printer setting forth that the company paid said newspaper one-half of 
the authorized rate for publishing legal notices, and that the full amount thereof was for the 
sole benefit of the publisher, and that no agreement or understanding for the division thereof 
was made with any person ; and such affidavit must state in plain terms that the full a mou at 



S6 STATUTORY REQUIREMENTS. 

/ 

authorized has been charged and collected for such publicatioo. Proof of publication must be 
filed within four months from date of filing the annual statement. 

Agents, — Agents must obtain from the Commissioner certificates entitling them to do busi- 
ness. Such certificates are renewable annually. Each individual person who has anything to 
do, directly or indirectly, with the business of the company must have a certificate of authority. 

Fees, — Filing copy of charter, $25 ; filing annual statement, $10 ; furnishing copies of same 
for publication, 20 cents per folio ; certifjring same, |i ; certificates of authority to company, 
$2 - certificates to agents, $2. 

Taxes.'^Ax the time of filing the annual statement company must pay into the State Treas- 
ury a tax of two and one-half per cent on the gross premiums received in the State during the 
preceding year, taking duplicate receipts therefor, one of which is to be filed with the Commis- 
sioner, when— and not till then — the Commissioner will issue the annual certificate of author- 
isation to do business. The tax of two and one-half per cent is in full of all taxes. State and 
local. 

Penalties, -^KvLj violation of the provision of the act relative to insurance subjects the per- 
son or company to a penalty of $500 for each o£fense. Any agent neglecting to file a sworn 
statement as required incurs an additional penalty of $100 for each month during which his 
default continues. 

Miscellaneous Companies. — No provisions for companies other than life and fire. 



Ohio. 

Supervising Officbr, W. H. KINDER, Supbuntbndsnt of Insurance, Columbus. 

Preliminary Documents. — Company must file with the Superintendent certified copy of its 
charter and a statement verified by its chief officer, showing its condition. A copy of the cer- 
tificate of authority to do business must be filed in the office of the Recorder of each county in 
which it has an agency, and must be published, at least once every year, in a newspaper of gen- 
eral circulation in every county wherein the company has an agency, and a copy of certificate 
must be filed in the office of the Recorder of the county. Certificates must be renewed and 
published annually. 

Attorney, — A stipulation must be filed with the Commissioner to the effect that any agent 
of the company may accept service of legal process. 

Funds — Siock companies must have at least $xoo,ooo of actual paid-up capital invested in 
the interest paying bonds or stocks of- the United States, or of this State, or of some other Stat^ 
of the United States, of the market value of $zoo,ooo in the City of New York, or in bonds and 
mortgages on unencumbered real estate in this State, or in the State under the laws of which it 
was organized, of at least double the value of the amount loaned thereon ; and such bonds and 
mongages must be deposited with the Superintendent of Insurance of this State, or the chief 
financial or other officer of the State in which such company was organized, designated by the 
laws of such State to receive the same. 

Deposit, — Each company must have a deposit of bonds of the United States, or of the bonds 
of Ohio, or of some other State, to the value of $100,000, with the proper officer of the State 
wherein it is organized, for the benefit of its policyholders. 

Valuation of Policies, — Policies are valued on the basis of the American Experience Table 
of Mortality, with interest at four and one-half per cent. 

Annual Statements. — Annual statements must be filed on or before March i, showing the 
condition of the company on December 31 preceding. 

Agents, — Every agent must procure a license from the Superintendent for each company he 
represents, and a certified copy of same must be filed with the Recorder of the county in which 
the office of the agent is located. Certificates renewable annually. 

Fees, — For filing charter of company, $25 ; preliminary statement, $20 ; annual statements, 
$20; certificate of authority, $2; copies of papers on file, 20 cents per folio; certification thereof , 
$1. The company may pay $250 for licenses to agents and appoint as many as it pleases with- 
out further charge, subject to the provisions of the statutes. For valuing policies, one cent for 



STATUTORY REQUIREMENTS. 67 

each $1000 of insurance valued. Examination of companies, actual expenses incurred. Otber 
fees regulated by reciprocal provision. 

Licenses. — ^See Fees. 

Taxes, — Every agency of a company incorporated by the authority of any other State or 
government shall return to the Auditor of each county in which such company does business, 
or from which it collects premiums, on or before the first day of May annually, the amount of 
the gross premium receipts of such agency for the previous calendar year, in such counties, 
which shall be entered upon the tax list of the proper county, and be subject to the same rate 
-of taxation, for all purposes, that other personal property is subject to at the place where 
located ; and the whole of such tax shall be due and payable on the twentieth day of November 
next ensuing. It is the duty of the Superintendent of Insurance, in the month of December, 
annually, to charge and collect from all such companies such a sum as, added to the sum paid 
to the county treasuries, will produce an amount equal to two and one-half per cent on the gross 
premium receipts of such companies, as shown by their annual statement, under oath, to the 
insurance department; provided, however, that if, by the laws of any other State, Territory, or 
nation, a larger tax than two and one*half per cent is charged companies organized under the 
laws of Ohio, then the Superintendent of Insurance shall charge a like tax upon companies 
from such State, Territory, or nation doing business in this State. Other taxes regulated by 
reciprocal provision. 

Penalties. — ^Any person violating the provisions of the law relating to insurance, or who 
«hall solicit insurance or act as agent for an .unauthorized insurance company, is liable to a fine 
not exceeding $1000, and imprisonment not exceeding six months. Company refusing or 
neglecting to make annual statement, subject to a fine of $500, and $500 additional for each 
month it continues in default. Companies are prohibited from stating in their advertisements 
any assets not admitted by the Superintendent of Insurance, and must include therein all its 
liabilities. An agent violating this provision of the law subjects the company he represents to 
a fine of $1000. 

Miscellaneous Companies, — No provision for companies other than life and fire. 



Oregon. 

Supervising Officer, GEORGE W. McBRIDE, Sbcrktary or State, Salem. 

Preliminary Documents.-^Compzny must file with the Secretary of State a statement 
showing the location and condition of the company, and that it has capital of $200,000 unim- 
paired. 

Attomey.—A citizen and resident of the State must be appointed attorney to accept service 
of legal process. 

Funds, — No requirement. 

Deposit, — None required. 

Valuation of Policies, — No provision. 

Annual Statements. — Annual statement must be filed with the Secretary of State within 
thirty days from January i, showing the condition of the company on December 31 preceding. 

^^»f/;r.— Must each procure annual license. 

Fees. --To Secretary of State : For filing power of attorney and issuing certificates, $5 ; 
annual license to company, $100 ; examinations, expenses incurred ; agent's licenses, $5. To 
Treasurer : Filing certificate of deposit and expense of printing notices, |io. 

Licenses. -^hrkwoiiX license of fioo must be paid before December 31 of the year preceding 
that for which license is desired ; $10 per day added for delay after January i until paid. 

Taxes.^-TYit provision of law imposing taxes on insurance companies specifies only fire 
and marine companies. 

Penalties. -^ToT misrepresentation in advertisements a fine of $500 is provided ; doing 
business without authority, $500 fine. Violation of other provisions of law, a fine of not less 
than $100 nor more than $500 is imposed. 

Miscellaneous Companies, — No provision for companies other than life and fire. 



68 STATUTORY REQUIREMENTS. 

Pennsylvania. 

Supervising Officer, J. M. FORSTER. Insurance Commissioner, Harrisburg. 

Preliminary Documtnts, — Company must file with the Commissioner a certified copy of its^ 
charter and a verified statement showing its affairs and condition. 

^//brif^T)'.— Company must appoint the Insurance Commissioner, or person designated by 
him, or an agent named by the company, attorney to accept service of legal process. 

Funds, — Company must possess assets equal to its liabilities. 

Deposit — None required. 

ValuaHon of Policies, — The basis of valuation is the Actuaries' Experience Table of Mor 
tality, with interest at four per cent. Commissioner authorized to accept valuations of other 
State officials. 

Annual Statements,^KviXiM3\ statements must be filed on or before March i, showing the 
condition of the company December 31 preceding. 

Agents, — Company must certify to the Commissioner the names of the agents whom it 
appoints, and such agents must obtain certificates of authority from the Commissioner. Certif- 
icates to be renewed annually. 

Fees, — Filing copy of charter, $25 ; filing annual statement, |20 ; issuing certificate of 
authority and a certified copy of the same, (2 ; copies of papers on file, 20 cents per folio ; 
certifying same. Si ; valuing policies, not exceeding 3 cents for each $1000 of insurance 
valued ; for examination of companies, actual expenses incurred. If the fees collected are not 
equal to the expenditures of the department, the Commissioner is authorized to assess the 
deficiency upon the companies doing business in the State. Other fees regulated by reciprocal 
provision. 

Licenses, — See Agents. 

Tkr^j.— Company is required to report in the month of January of each year to the Com- 
missioner the amount of premiums received by it in the State during the preceding year, and 
to pay a tax of two per cent thereon into the State Treasury. 

Penalties, — For neglecting to file the statements required company incurs a penalty of $100 
for each day's neglect. Companies or agents doing business without complying with the law 
incur a penalty of $500 for each month and fraction thereof in which such uiiliconsed business 
is transacted. 

Miscellaneous Companies, — No provision for companies other than life and fire. 



Rhode Island. 

Supervising Officer, £. W. BUCKLIN, Insurance Commissioner, Providence. 

Preliminary Documents, — Company must file with the Commissioner a copy of its charter 
and a verified statement showing the condition of the company. 

Attomey.^Comp9Jiy must appoint the Insurance Commissioner its attorney to accept 
service of legal process. 

Funds.^Com^any must possess at least $100,000 assets invested in approved securities. 

Deposit, — Company must furnish to the State Treasurer a certificate setting forth that it 
has on deposit with the proper officer of the State wherein it is incorporated the sum of $100,000 
at least, invested in approved securities, for the benefit of its policyholders. 

Valuation of Po&cies.^The basis of valuation is the American Experience Table of 
Mortality, with interest computed at not less than four and one-half per cent and not more 
than six per cent. Any contract that makes a part of the constitution and by-laws of the com- 
pany a part of such contract must have attached thereto a copy of such constitution and by- 
laws. 

Annual Statements. — Annual statement must be filed within thirty days from January i, 
showing the business and condition of the company December 31 preceding. 

Agents.— Agtnis must execute a bond to the State Treasurer, with two or more approved 
securities, in a sum not less than $200, conditioned to make annual returns required by law^ 
and that they will pay the taxes required. An agent doing business in one town prohibited 



STATUTORY REQ^UIREMENTS. 69 

from establishing a branch agency in another town. Companies prohibited from doinc; 
business except through licensed agents. Every person acting in any manner for an insnr« 
ance company who is accountable to any agent of such company for premiums received shall 
be designated as a sub-agent. Sub-agents must procure licenses from the Commissioner, 
renewable annually on January i. Agents required to publish an abstract of annual statement 
in a newspaper printed in the county in which it does business once a week for three weeks in 
the month of March. 

Fets, — For filing copy of charter, $30; filing preliminary statement, $20; filing annual 
sutement, $20 ; issuing certificate to agent, |2 ; copy of service of process, $3 ; examination 
of company, actual expenses incurred. Other fees regulated by reciprocal legislation. 

Licenses. — See Agents. 

Taxes. — In the month of January of each year agents are required to make a return to the 
State Treasurer of the amount of insurance placed by them during the preceding year, the 
premiums received, and at the same time shall pay to the Treasurer a ux of two per cent on 
such premiums. Other taxes regulated by reciprpcal provision. 

PenaUUs. — ^Any person acting as agent for an unauthorized company shall be fined not 
less than $300 nor more than $1000. An agent doing business without complying with the 
laws of the State incurs a penalty of $1000. An agent refusing or neglecting to answer inter- 
rogatories of the Commissioner for thirty days is liable to a fine of $1000. 

Miscellaneous Companies, — No provisions for companies other than life and fire. 



South Carolina. 

Supervising Ofpicxr, W. H. ELLERBE. Comptroller-Gknkral of State, Columbia. 

Preliminary Documents. — Company must file copy of its charter and obtain license, which 
will authorize it to do business in every county in the State. Such license to expire March 31 
of each year. A statement of the financial condition of the company must also be filed. 
Notice of license issued to companies must be published in some newspaper in the county 
in which the general agent resides. 

Attorney, — ^The general agent of the company must be appointed attorney to accept service 
of legal process. 

Funds, — No requirement. 

Deposit. — None required. 

Valuation 0/ Policies, — No provision. 

Annual Statements, — ^Annual statements must be filed prior to March i. An abstract oC 
annual statement must be published. 

Agents, — ^Agents must make a return between May x and June 20, showing the gross 
receipts and the value of personal property of the company at the agency. 

Fees, — For certificate issued to company, $50. 

Licenses, — ^The city of Columbia imposes a special license of $50 for the first $1000 of 
premiums received by the agent, and $30 for each additional $1000. 

Taxes, — ^The gross receipts and the personal property of the company are subject to* 
taxation the same as other property is taxed. Agents responsible for the tax. 

Penalties, — For each violation of the provisions of the statutes a penalty of not less than 
|ioo nor more than $500 is imposed for each offense. 

Miscellaneous Companies, — No provision for companies other than life and fire. 



South Dakota. 

Supervising Officer, L. C. TAYLOR, Auditor of State, Pierre. 

Preliminary Documents, — Company must file with the Auditor a copy of its charter and a 
statement showing its financial condition. 

Attorney, — An agent must be appointed in each judicial district of the State empowered to 
accept service of legal process. 



60 STATUTORY REQUIREMENTS. 



Fees, — No proWsion. 

Deposit, ^'^ovi^ required. 

Valuation of PoHeies, — No provision. 

Annual Statements, — Annual statements must be filed within one month from January i, 
and mast be published at least three times in one of three papers designated by the Auditor, 
and printed and published in each judicial circuit of the State in which the company shall 
have an agency within ninety days from the filing of the statement. Advertisements must be 
paid for at the rate of 75 cents per square of twelve lines of nonpareil type or its equivalent for 
the first insertion, and 50 cents per square for each subsequent insertion. A duplicate state- 
ment must be filed in the office of the Register of Deeds in the county wherein the agency is 
established. 

^^jni/r.— Agents must obtain from the Auditor a certificate entitling them to do business. 
Certificates renewable annually. 

Fees.—FoT filing copy of charter, $95; annual statement, $10; issuing certificate of 
authority and certifying the same, $2 ; copies of papers on file, 20 cents per folio ; certifying 
same,. $1 ; examinations of companies, actual expenses incurred, not exceeding $10 per diem. 

Licenses. — No provision. 

Taxes.^Ai the time of filing annual statement, company is required to pay into the State 
Treasury two and one*haIf per cent on the gross premiums received in the State during the 
preceding year. Such taxes in lieu of all other State and local taxes. 

Penalties. — Violation of any of the provisions of the act subjects the party violating same 
40 a penalty of $500 for each violation. For neglect to file statements as required, $100. 

Miscellaneous Companies. — No provision for companies other than life and firs. 



Tennessee. 

Supervising Officer, M. F. HOUSE, Insurance Commissioner, Nashville. 

Preliminary Documents.^Compatnj must file with the Commissioner certified copy of its 
charter and a sutement showing its condition on December 31 preceding. 

Attorney. — Company must authorize the Secretary of State to accept service of legal process. 

/^tfiM^.— Company must possess actual cash assets to the amount of at least $xoo,ooo 
invested in accordance with the laws of the State under which such company is organised. 

Depasit.—Com^KOf required to have a deposit of |ioo,ooo with the proper financial officer 
of the State wherein it is organised, and must present certificate to the Commissioner that such 
funds are held by him for the security of the policyholders of the company. 

Valuation 0/ PoHcies.^Tht basis of valuation is the American Experience Table of Mor- 
tality, with interest at four and one- half per cent. Stock on non-participating policies may be 
valued in accordance with the above table with interest at six per cent. 

Annual Statements.^AvLnnii statements must be filed within thirty days from December 
31, showing the condition of the company on December 31 preceding. 

^^iii^r.— Company must furnish the Commissioner with the names of all its agents 
appointed in the State, and each agent must obtain a certificate of authority. 

Fees.—For filing annual statement, $50 ; for each certificate of authority issued, $6 ; copies 
of papers on file, 20 cents per folio ; certifying same, $1 ; for valuing policies, not exceeding 
3 cents on each $1000 of insurance ; for examinations of companies, actual expenses incurred. 
Other fees regulated by reciprocal provisions. 

Licenses. — ^Agents must procure a license from the Commissioner and deposit a certified 
copy of the same in the office of the Clerk of the county in which his place of business is 
esublished. Reciprocal provision to regulate other license fees. 

Taxes. — Companies must make return on the first days of January and July, showing the 
amount of premiums received within the State during the preceding six months, and pay into 
the State Treasury a tax of two and one-half per cent upon such premiums. Other taxes regu- 
plated by reciprocal provisions. 

Penalties.^A company neglecting to make returns and pay taxes forfeits the sum of $500. 



STATUTORY REQUIREMENTS. 61 



Agents doing business without a certificate of authority are subject to a peualty of $500 for 
each offense. 

Miscellaneous Companies, — No provision for companies other than life and fire. 



Texas. 

Supervising Officer, L. L. FOSTER, Insurance Commissioner, Austin. 

Preliminary Documents, — Company must fiie a certified copy of its charter and by-laws, 
giving the name and residence of each of its officers, directors and members ; also a verified 
statement showing the condition of the company. 

Attorney, — A stipulation must be filed authorizing any duly appointed agent of the company 
to accept service of legal process. 

Funds, — Company must possess at least tioo.ooo invested in State securities. 

Deposit, — Company must furnish certificate that it has at least $100,000 deposited with the 
proper officers of some state, or in lieu thereof must deposit a similar account with the 
Treasurer of this State. 

Valuation of Policies — No requirement. 

Annual Statements.^AnnvLdl statements must be filed within sixty days from January i 
showing the condition of the company on December 31 preceding. 

Agents, — Agents must obtain from the Commissioner a certificate of authority, to be 
renewed annually on or before March i. 

Pees. — Copies of papers on file, 20 cents per folio; certification of same, $1 ; valuing^ 
policies, $10 for each |i,ooo,ooo of insurance ; examinations of companies, $10 per day, and 
actual expenses incurred not to exceed $250 ; other fees regulated by reciprocal provision. 

ZsV^ifj«r.— Company must pay an annual license tax of (300 and (10 in every county in 
which it does business. Cities and towns in the State are authorized to levy taxes to the 
amount of one-half of the State taxes. 

Taxes,^See Licenses. 

Penalties, — For violation of the insurance laws the offender Incurs a penalty of not less 
than $500 nor more than $1000. 

Miscellaneous Companies, — Accident and guarantee are required to comply with the general 
provisions ol the law, 

Utah. 

Supervising Officer, ELIJAH SELLS, Secretary of Territory, Salt Lake City. 

Preliminary Documents, — Company must file with the Secretary a verified statement show- 
ing the name and location of the company and the amount of capital stock, assets and liabili- 
ties, and surplus. Must also file an authenticated abstract of the laws of the State or govern- 
ment under which it is organized. 

Attorney,— Com^^ny must appoint an attorney or agent to accept service of legal process. 

Punds,—T\it law provides *' that it shall not be lawful for any life insurance company to 
transact a life insurance business in the Territory unless it shall have a paid-up capital of not 
less than tioo,ooo." 

Deposit. — ^None required. 

Valuation of Policies, — No provision. 

Annual Statements. — Annual statements must be filed with the Secretary prior to June 30,. 
and must be published four times in some newspaper, havii^ a general circulation, published 
in the Territory. 

Agents. — Agents must procure a certificate of authority from the Secretary, renewable 
annually. 

Pees, — For filing statement, I5 ; issuing certificate of authority, $5 ; issuing certified copy- 
of annual statement for publication, $1.50. 

Licenses. — No provision. 



62 STATUTORY REQUIREMENTS. 



Taxes, — No requiremeDts. 

Penalties, — Agent doing business without obtaining certificate of authority is deemed 
guilty of a misdemeanor and is punishable accordingly. * 

Miscellaneous Companies, — No provisions for companies other than life and fire. 



Vermont. 

Supervising Officers, C. W. BROWNELL, Jr., Secretary of State, Burlington; HENRY 
F. FIELD, State Treasurer. Rutland. 

Preliminary Documents. — Company must file a certified copy of its charter and by-laws, 
and a verified statement showing its capital, assets, and liabilities. 

Attorney, — Company must appoint the Secretary of State its attorney to accept service of 
legal process. 

Funds. — Every company must possess at least $100,000, and in addition assets equal to its 
liabilities. 

Deposit, — None required. 

Valuation of Policies,^The basis of valuation is the Actuaries' Table of Mortality, with 
interest at four per cent. 

Annual Statements. — Annual statements must be filed on or before March i, showing the 
condition of the company on December 31 preceding. 

^,^»f^.— Agents must file with the Commissioner a certificate of appointment and obtain a 
license, renewable annually, on April I. 

^^^j.— Filing annual statement, $20 ; issuing license to company, $5 ; license to agents, $1. 

Licenses, — See fees. 

Taxes. — Company must pay before February 10. a tax of two per cent upon premiums re- 
ceived in the State during the preceding year, deducting from the gross premiums the reinsur- 
ance in authorized companies, return premiums, unused balances of premium notes and divi- 
dends to policyholders. Other taxes regulated by reciprocal provisions. 

Penalties, — For any violation of the law relating to insurance a fine not exceeding $2000 
will be imposed. Agents doing business for unauthorized companies are liable to a fine not 
exceeding $500. 

Miscellaneous Companies. — No provisions for companies other than life and fire. 



Virginia. 

Supervising Officer— MORTON MAR YE, Auditor of Pubuc Accounts, Richmond, 

Preliminary Documents. — Company must give bond with two or more sureties m a sum 
not less than $1000 nor more than (5000, conditioned to make returns and pay taxes required 
by law. 

Attorney, — A citizen of the State and resident of the City of Richmond must be appointed 
attorney to accept service of legal process. Where none such is appointed the Auditor is 
authorized to accept service. 

Funds, — No requirements. 

/>^j}'/.— Company must deposit with the State Treasurer bonds of the State of Virginia, 
or of the United States, or of the cities of Richmond, Petersburg, Norfolk, Lynchburg, Alex- 
andria, Danville, Winchester or Staunton, of not less than $10,000, nor more than $50,000. 
Amount of the deposit must be equal in cash value to five per cent of the capital stock of the 
company. No provision relative to mutual companies. 

Valuation of Policies, — The basis of valuation is the American Experience Table of Mortal- 
ity, with interest at four and one-half per cent. 

Annual Statements, — Annual statements must be filed with the Auditor on or before March 
31, showing the condition of the company on the last day of its fiscal year. Such statement to 
be published once a week, for six weeks, in a newspaper published in Richmond. 



STATUTORY REQUIREMENTS. 63 

Agents, — No requirement. 

Jfees. — See Licenses. 

Licenses, — Upon making the required deposit and receiving the Treasurer's receipt therefor, 
and paying a specific license fee of $300, the company may obtain a license to do business. 
Licenses to be paid annually on January i. Portions of a year paid for pro rata. 

Taxes. — Company must certify to the Auditor before March i of each year, the gross 
amount of assessments, premiums, dues and fees collected or received, or obligations taken 
therefor, collected in the State during the preceding year, and pay into the treasury a tax of 
one per cent thereon. 

Penaliies. — ^Any person acting as an agent for an unauthorized company to forfeit a sum 
not exceeding f looo nor less than $300. For neglecting to pay taxes a penalty of five per cent 
a month, during the continuance of such failure is incurred. 

Miscellaneous Companies, — No special provisions for companies other than life and fire. 



Washington. 

Supervising Officer, ALLEN WEIR, Secretary of State. 
T. M. REED, Auditor, Olympia. 

Preliminary Documents — Company must file with the Secretary of State, who is ex-ofiicio 
the Insurance Commissioner, a copy of its articles of incorporation and charter certified by the 
State or county officer having custody of the original, and a statement of its capital stock and 
assets ; also a certificate of the proper officer of the State in which it was organized setting 
forth that it has unimpared capital of not less than $100,000. 

Attorney, — A citizen and resident of the State must be appointed to accept service of legal 
process. In the absence of such attorney service may be made upon the Commissioner. 

Funds, — Companies must have a capital of $100,000 at least. (No special provision for 
mutual life companies.) 

Deposit. — Reciprocal provision. 

Valuation of Policies, — No provision. 

Annual Statements, — No statements required of companies other than fire and marine. 

Agents, — No provision. 

Fees. — Filing articles of incorporation or other certificates and issuing certificates, $10 ; 
filing annual statement, $5 ; filing any other paper, $1 ; copies of papers on file, ao cents per 
folio; certification of same, $1; examination of companies, $5 per day. (Applies only to State 
companies.) 

Licenses, — No requirements. 

Taxes, — A tax of two per cent on gross premiums must be paid to State Auditor. 

Penalties, — No requirements. 

Miscellaneous Companies, — All companies must file with the Insurance Commissioner certi- 
fied copies of articles of incorporation or charter, power of attorney and certificate showing a 
paid up and unimpaired capital of $100,000. AH companies pay a tax of two per cent on gross 
premiums collected. These are paid to the State Auditor. A sworn statement of all premiums 
collected is required to be made to the State Auditor by December i of each year. 



West Virginia. 

Supervising Officer, P. F. Duffy, State Auditor, Charleston. 

Preliminary Documents, — Company must file with the Auditor a verified statement setting 
forth the condition of the company. 

Attorney, — Some resident of the State must be appointed attorney to accept service of legal 
process. 

Funds, — Company must possess at least $100,000 capital invested in approved securities. 

Deposit, — None required. 



64 STATUTORY REQUIREMENTS. 

Valuation of Policies, — No requirement. 

Annual Statements, — Annual statements must be filed in the month of January showing the 
condition of the company December 31 preceding. 

Agtnts, — Agents must procure a certificate of authority from the Auditor, a copy of which 
is to be filed in the oflice pf the Circuit Court in each county in which the agent does business* 
and must be published in some newspaper of general circulation published in the State. Cer- 
tificates renewable annually on Jatauary i, or within 60 days thereafter, to be filed and published 
as above. 

Fees, — For filing annual statement. $10 ; for issuing certificate of authority, $25. 

Licenses, — No provision. 

Taxes, — Companies are required at the time of filing annual statement to pay into the Siate 
Treasury a tax of two per cent on gross premiums collected in the State during the preceding 
year. Life companies investing the entire amount of net receipts from State business in the 
State are taxed but one per cent on gross premiums. The City of Wheeling is empowered to 
collect a tax of one-half of one per cent semi-annually upon the premiums collected in that 
city. Agents in Wheeling must obtain certificate of authority from the City Clerk and, on or 
before January 15 and July 15 in each year, make a return showing the amount of premium 
receipts for the previous six months on which tax is levied. 

Penalties, — ^Any company or agent failing to make the return or pay the taxes or fees as 
required, or who shall make a false return, is liable to a fine of not less than|2o nor more than 
$200 for each offense. For transacting business for an unauthorized company a penalty of $5a 
for each offense is provided. Any violation of the anti-rebate law constitutes a misdemeanor, 
and in addition to the penalty provided for such, the certificate of authority granted the offender 
shall be revoked and no other issued him for three years. 

Miscellaneous Companies, — No provision for companies other than life and fire. 



Wisconsin. 

Supervising Officer, WILBUR F. ROOT. Commissioner of Insurance, Madison. 

Preliminary Documents, — Company must file a copy of its charter with the Commissioner 
and a verified statement showing its condition, and a copy of its last annual report. 

Attorney, — Company must >ppuint the Commissioner of Insurance attorney to accept ser- 
vice of legal process. Service may also be made upon any agent of the company in the State. 

Funds, — Company must possess at least f 100,000 invested in securities approved by the 
Commissioner. 

Deposit,^Notke required. 

Valuation 0/ Policies.-^The basis of valuation is the American Experience Table of Mor- 
tality, with interest at four and one-half per cent. 

Annual Statements, — Annual statements must be filed on or before March i, showing the 
condition of the company December 31 preceding. 

Agents,— Agent8 must procure from the Commissioner a certificate of authority to be 
renewed annually on March i. 

Fees, — For filing certified copy of charter, $25 ; filing annual statement, $25 ; certificate of 
authority for agent, $1 ; copies of paper on file. 15 cents per folio ; certifying same, 50 cents ;. 
valuation of policies, i cent for each $1000 of insurance ; examinations of companies, actual 
expenses incurred ; other fees regulated by reciprocal provision. 

Licenses, — Companies required to pay annual license fee of $300. 

Taxes, — No requirements. 

Penalties, — Agent or company doing business without having first obtained a certificate of 
authority is liable to a fine of not less than f 50 nor more than $500 for each offense. For will- 
fully making false statements, a fine not exceeding $500 nor less than $50 is imposed. 

Miscellaneous Companies. — Accident companies must be possessed of a cash capital of 
$100,000 and maintain a deposit with the Insurance Department of the State where organized 
of an equal amount ; reinsurance reserve of such companies, fifty per cent of the gross 



STATUTORY REQUIREMENTS. 65 



premiams of all policies in force. CompaDies must file an annual statement during the month 
of January and pay taxes equal to the two per cent upon the gross premiums received in the 
State. 

Wyoming. 

Supervising Officer, C. W. BURDICK, Auditor and Ex-officio Insurance Commis- 
sioner, Cheyenne. 

Preliminary Documents -^Compdiny must file a certified copy of its charter and a verified 
statement, showing its condition, and on obtaining certificate from the Auditor, publish the 
same in two newspapers of general circulation in the State, one of which is published at the 
capital. 

Attorney. —A.n zgttkX in each county in which agencies are established residing at ihe 
county seat must be appointed attorney for the company to accept service of legal process. 

Funds, — ^The law declares that every company desiring to transact business in the State 
shall possess an actual paid-up capital of not less than $300,000. No provision relative to 
mutual life companies. 

Deposit. — Companies of foreign countries required to have a deposit of |ioo,ooo in some 
one of States or Territories. 

Valuation of Policies. — No provision. 

Annual Statements. — Annual statements must be filed with the Auditor within sixty days 
from January i, showing the condition of the company December 31 preceding. 

Agents. — Agents must procure a certificate of authority from the Auditor. All advertise- 
ments must set forth the location of ihe company, its actual paid-up capital and cash assets* 
Agents required to furnish to the Assessor of the county in which he does business a list of net 
premiums received. 

Fees, — For filing application and issuing certificate, $50 ; filing annual statement, (25 ; for 
issuing certificates of authority to agents, (i ; copies of papers on file, 15 cents per folio ; certi- 
fying same, 50 cents ; examination of companies, actual expenses incurred. 

Licenses. — No provision. Law of 1891 prohibits discrimination in favor of individuals o£ 
the same class and age. No rebate allowed to persons insuring as an inducement to insure. 

Taxes, — Net premium receipts are taxed at the same rate as personal property. Taxes are 
imposed upon the lists furnished the county assessors by the agents of the company. Agents 
personally liable for the tax. 

Penalties, — For doing business without complying with the law a fine of not less than (50 
nor more than (looo, or imprisonment, or both, is imposed. Any violation of the anti-rebate 
law is made a misdemeanor and incurs a fine of (500 when the amount of insurance is $25,000 
or less, and $500 for each additional $25,000. 

Miscellaneous Companies, — Fidelity companies must comply with the laws relating to life 
insurance companies. Special requirements for companies insuring live stock. 



It is well understood that not the least of the advantages of life insurance is to be found 
in its ability to enable a man with a good, or even a moderate, income to do better in the way 
of education for his family, and to enjoy to a greater extent those comforts and elegancies of 
life so desirable to cultivated persons, than it were possible for him, were he compelled to lay 
by a large ponion of it to provide for his own old age, or for his family in case of his death. 
It has also been frequently shown, that a comparatively small amount laid by annually, may 
keep a moderate fortune in future always secure. It is also worth bearing in mind that the 
necessity to save felt by a conscientious father of a family, together with the constant effort to 
do so— often extolled as a virtue — not infrequently degenerates, with age, into avarice, which, 
in the head of a family, will scarcely secure afiection or respect, and is commonly considered 
a more repulsive trait of character than extravagance. 

The chief cause of the increasing concentration of capital in a few hands is that it is con- 
stantly becoming more difficult to secure as favorable returns upon small investments as large 
accumulations of money can be made to yield. And this is one of the reasons why the most 
successful business men are coming generally to regard life insurance as affording the very 
best opportunities for investment. No matter how skillful they may be in financial affairs, thev 
realize that the companies, with their vast assets, can handle their surplus capital more ad- 
vantageously than they themselves can. 



Digest of Insurance Decisions. 



Synopsis of Judicial Decisions in Cases Relating 
TO Life and Accident Insurance. 



We present in the following pages a digest of numerous decisions rendered in 
cases involving the conditions of the Life Insurance contract These cases have been 
carefully compiled from a variety of sources, and care has been taken in stating the 
judgment of the court to indicate in precise language the nature of the decision given. 
While seeking to make this digest as brief as was consistent with the facts, we have 
endeavored to preserve the general features of the cases in a manner to make the 
points decided clearly intelligible. The references have been carefully preserved, in 
order that the text of each decision might be obtained by any one desiring further 
information regarding them. 

A number of decisions in Accident cases will be found following those in the Life 
cases. They have also been compiled with great care, with a view to presenting the 
exact facts and the decision rendered in each case. These cases, both Life and 
Accident, will be found full of interest and instruction to all persons interested in life 
and accident insurance. 



Decisions Relating to Life Insurance. 



Rights of Wife and Children, and of Creditors. 

These actions were brought by Alfred Hite against the Hartford Life and Annuity Insur- 
ance Company, and Joseph Hite against the JEinz, Life Insurance Company. The facts are set 
forth in the finding of the court. 

HELD—That Joseph S. Hite, now deceased, qualified as the guardian in 1867 of the appel- 
lants, and received, as estate belonging to them, about $13,600, consisting of bonds. lo 186S 
and 1869, after such qualification and the receipt of the bonds, he insured his life in the appel- 
lees' companies for the benefit of his wife and children, which sums amounted, in the aggregate 
to about (32,000. The premiums on these sums were paid annually until X871, including that 
year, when the said Hite ceased to pay any more premiums; and for the premiums already paid 
he took a paid-up policy, likewise for the benefit of his wife and children. In the course of 
two or three years thereafter Hite became hopelessly insolvent, and later on he died. These 
suits were instituted by the appellants, his former wards, against the insurance companies and 
the wife and children, to subject the policies to these demands, upon the ground (i) that the 
investment for the benefit of Hite's wife and children was in the nature of a gift, and therefore 
void as to existing creditors ; and (2) that it was intentionally fraudulent as to the creditors. It 
was held in the case of Stokes vs. Coffey, that an insurance by the husband for the benefit of 
his wife and children was not within the statute of voluntary conveyances, consequently was 
not pfTse fraudulent as against antecedent creditors, bat, if such insurance did not materially 
affect the rights of such creditors, by withdrawing the money that they were entitled to receive 



LIFE INSURANCE DIGEST, 67 



from the insurer on account of his indebtedness to them, the insurance for the benefit of his 
wife and children would be valid as against the creditors. It was also held that an insolvent 
husband might insure his life for the benefit of his wife and children in a reasonable sum, and 
the same would not be subject to the payment of his debts, provided his wife had not a suffi- 
ciency of estate of her own with which to support herself and children, and to educate the 
latter. The judgment is affirmed — ffitevs, Hartford Life and Annuity Insurance Company ; 
Hite vs. jStna Life Insurance Company — Kentucky Court of Appeals. 

From Quarterly to Annual Payments and no Forfeiture. 

In this case there was an implied agreement between the assured and the company that 
the times t>f payment should be changed from quarterly to annually. The time of payment 
fell after the death of the insured. The evidence and correspondence showed that the pay- 
ment due in* May was to be added to the yearly payment. 

Held — That the insurance company held out the belief that the forfeiture clause would 
not be rigidly enforced, and was therefore estopped from setting up such forfeiture as a defense. 

The Mutual Life Insurance Company vs. Kectch — Illinois Court of Appeals. 



Impairment of Health or Delirium Tremens. * 
In this case the policy provided that it should be forfeited if the assured '* shall become 
so far intemperate as to impair his health seriously and permanently or induce delirium 
tremens." 

Held — That the requirement for " preliminary proofs of death " was complied with by the 
physician making out the proper certificate and forwarding the same to the company ; that 
nnder the above condition in the policy it was not enough to work a forfeiture ; that the assured 
was a person who indulged In the use of intoxicating liquors, not even to the extent of impair- 
ing his health seriously, unless the impairment was permanent. The condition is double — a 
serious and permanent impairment of health, or delirium tremens. In either case all rights 
tinder the policy would be forfeited, but nothing short of the one or the other could bring 
about this result. The definition of delirium tremens as '* that diseased condition of the brain 
said to be produced by the excessive and prolonged use of spirituous liquors " is as favorable 
to the insurance company as it has a right to expect. The conditions of policies which, when 
violated, work a forfeiture as against the assured are to be construed liberally in favor of the 
assured, and strictly against the insurer. Under the Revised Statutes of Indiana physicians 
shall not be competent witnesses as to matters communicated to them in the course of their 
professional employment, and the partner of a physician is not competent to testify as to what 
he learns of the condition of a patient when the latter is at the offices of the firm for treatment 
by the witness's partner. 

jKtna Insurance Co. vs. Deming — Indiana Supreme Court. 



Agents Renewal Commissions. 

The plaintiff in this action worked as agent for the defendant for a salary and renewal 
commissions. 

Held— That the mutual termination of the contract did not operate in an ex post facto m^n" 
ner, and that the plaintiff was entitled to the regular renewal commissions on the policies 
which he obtained while in the employment of the defendant. 

Hale vs. Brooklyn Life Insurance Company — New York Court of Appeals. 



Creditor's Interest in Poucy on the Life of His Debtor. 

This was an appeal from the Superior Court, and the points at issue are set forth in the 
decision below. 

Held — That *Mn the year 1873 the Equitable Life Assurance Society of the United States 
issued to Augustin H. Perry a policy of insurance upon his life for the sum of $10,000. In the 
year 1887, Perry having kept the policy alive up to that time, and being then indebted to ap- 
pellant in the sum of I900, he sold and delivered the policy by a written bill of sale. Cawthorn, 
the purchaser, paid all premiums accruing between the date of the transfer and the death of 



68 LIFE INSURANCE DIGEST. 



Perrv, amounting to the sum of $369.60. Perry died in Noirember» 1888, and his administrators 
instituted this suit against both the insurance company and Cawthorn to recover the amoont of 
the policy. The insurance company answered, admitting its indebtedness to the owner of the 
policy, and, by agreement of the other parties, deposited the amount doe upon it, $9,894.40, in 
bank ' to await final judgment in the cause.' Defendant Cawthorn answered, asserting his 
ownership of the policy by virtue of its transfer to him by Perry, and praying for judgment 
against the insurance company for the amount of the policy. The cause was tried by the coart 
without a jury. The court filed its conclusions of law in the following language : ' A creditor, 
by the transfer to him of a policy on the life of his debtor, can acqaire no greater interest in 
the policy than such sum as will pay his debt and interest, and premiums paid by him and in- 
terest. The instrument of transfer to a creditor, no matter what form it assumes, mpst be con- 
strued either as a mortgage to secure his debt and interest and premiums paid by him and interest, 
or construed as a transfer of such part of the insurance money as will pay him his debt and interest, 
and the premiums paid by him and interest. A construction of the instrument of transfer which 
would give the creditor any more would be against public policy, in that it would make him 
interested in the speedy termina^tion of the life of the assured, and at the same time would be 
a mere speculation on the chances of life.' Judgment was rendered in accordance with these 
conclusions, to reverse which the defendant Cawthorn sued out a writ of error. The assign- 
ment of error call in question the correctness of the court's conclusions of law, and its mling^ 
in excluding a letter offered in evidence by the defendant Cawthorn. We think the latter was 
properly excluded because it was immaterial. In their application to this case, we approve the 
court's conclusions of law." 

Cawthorn vs. Perry — Texas Supreme Court. 

Suicide not Barred by the Ohio Statutes. 

A condition In the policy provided " that in case the insured shall die by his own hand, 
whether sane or insane, the policy shall become null and void." The insured committed 
suicide. The company claimed that the policy had become null and void, except as to the 
sum of $74.52, the reserve value of the policy, which was protected by the ninth condition 
thereof. By the Ohio statutes all companies after having received three annual premiums on 
any policy issued on the life of any person in that State, are estopped from defending upon 
any other ground than fraud against any claim arising upon such policf by reason of anr 
errors, omissions or misstatements of the insured, in any application made by such insured, 
on which the policy was issued, except as to age. Three annual premiums had been paid on 
the policy. « 

Held— That this provision of the statute had no effect whatever on the condition of the 
policy. 

Stark vs. The Union Central Insurance Co, — Pennsylvania Supreme Court* 

"Their Children" Means Children Common to Both. 

In this case the policy was made payable to the wife of the assured, or in case of her death 
before his death to their children. 

Held — That " their children " meant the children of the assured and his wife to the excin- 
sion of children of either not common to both. 

Evans vs. Opperman — Texas Supreme Court. 



Supplying Omission op Bbnepiciary's Name in the Policy. 
This was an action of assumpsit brought by the Morristown Title Trust Safe Deposit Com- 
pany, guardian of William Legg, a minor, against the defendant ins drance company, to recover 
the amount of a policy dated April 21, 1886, issued by said defendant upon the life of Annie 
Cruikshank. The policy, so far as applicable to the case, ran thus : *' The John Hancock 
Mutual Life Insurance Company, of Boston, Mass., in consideration of the payment of forty 
cents at noon on Wednesday of each week during the life of Annie Cruikshank. the insured, 
under this policy, hereby agrees to pay to the beneficiary named in the application for this 
policy within twenty-four hours after satisfactory proof of the death of said insured, the amount 



LIFE INSURANCE DIGEST. 



stipulated in the scbedole below. This policy is made and accepted upon the following con« 
ditions : If any of the statements or answers made in the application for this policy are in any 
respect untrue ; or if any assignment hereof is made ; or if any additional insurance is now in 
force or shall heritor be effected in this company (except as hereinafter permitted) without 
the written consent of the secretary of the company, then this policy shall be null and void. 
No copy of the application was attached to the policy. The company pleaded that there was 
nothing on the face of the policy which showed that the plaintiff was entitled to recover. The 
plaintiff offered the application in evidence, but it was excluded. The testimony of the col- 
tector and agent of the defendant, who solicited insurance of the insured and procured and 
delivered said policy to her, was admitted, and he testified that outside of any written applica- 
tion I know that the beneficianr under that policy of insurance was a young man by the name 
of WilHajp Legg ; he was Annie Cniikshank's son. 

Held— That the beneficiary appears to have been William Legg, a minor child, although 
he was not named as such in the policy. It was proved, however, that he was designated in 
the application as the beneficiary. It was not disputed that Annie Cruikshaok was dead ; that 
the policy was in force at the time of her death, nor that the proper proofs of her death had been 
made to the company. It is true the policy did not show upon its face the right of the plaintiff 
<o recover, and had the plaintiff stopped here his case would have failed. But the policy was 
one step in the cause and it was competent to follow it up by any evidence to show who the 
beneficiary really was. The next step was the offer of the application which, as before stated, 
contained the name of the beneficiary. This was objected to by defendant and excluded. The 
record does not show for what reason, but we infer that it was because the application was not 
attached to the policy as required by law, which provides that policies '* shall contain or have 
attached to said policies correct copies of the application as signed by the applicant, and the 
by-laws referred to, and unless so attached and accompanying the policy, no such application, 
constitution or by-laws shall be received in evidence in any controversy between the parties to 
or interested in the said policy, nor shall such application or by-laws be considered a part of 
the policy or contract between the parties." The act was evidently intended to impose a duty 
upon insurance companies and to protect the insured. It had often happened that upon the 
trial of a case an insurance company would offer a by-law or the application of the insured in 
evidence for the purpose of impeaching the plaintiff upon some technical point. The applies- 
tion when made is filed with the company, and when the assured receives his policy he often 
puts it away and in time forgets what he had stated in his application. The act was passed to 
compel the company to attach the application to the policy, and upon its failure to do so it 
cannot be received in evidence. This is the first instance, to my knowledge, where a company 
has been heard to object to the admission of the application in evidence where such offer came 
from the insured. To sustain such an objection on the part of the company is to allow the 
latter to take advantage of its own neglect in not complying with the act. We, therefore, think 
the court below erred in excluding this application. This appeal, however, is by the company, 
and as the point was ruled in its favor we would not have noticed it but for its relation to the 
mliog of the court below on the offer of evidence contained in the second assignment. After 
the learned judge had excluded the application the plaintiff offered to prove by parol that Legg 
was the beneficiary. This was admitted under objection and exception. The learned judge 
could not well have done otherwise after his former ruling, without turning the plaintiff out of 
court. This testimony was not strictly regular, but the defendant company having objected to 
and excluded the best evidence cannot now be heard to complain that secondary evidence was 
received. Upon the whole we think a correct result was reached though not by the most direct 
path. 

MorristawH Title Trust and Safe Deposit Company vs. John Hancock Mutual Life Insurance 
Company — Pennsylvania Supreme Court. 

False Answer was a Breach of Warranty. 

In this case the policy made the statements in the application part of the contract, and the 

application warranted the answers '* to be full, complete and true." In answer to the question 

as to who was his usual medical attendant, the assured answered, " Dr. Stone," and was then 

asked when and for what his services had been required, to which he answered, " for his 



70 LIFE INSURANCE DIGEST. 



lamily." The evidence showed that the only medical attendant of the assured for a year prior 
to his death, which occurred less than three months from the date of the application, was one 
Dr. Wood, and there was no evidence that Dr. Stone ever attended him. 

HELD-~:Tttait such false answer was such a breach of warranty as would ^oid the policy. 

Phillips vs. New York Life Insurance Company — New York Supreme Court. 



Policy Surrbndbrrd Through Fraud. 

This was a complicated case. In 1861, upon the application of the plaintifi*s husband, the 
defendant company issued its policy insuring his life for the benefit of his wife. The policy 
contained the usual stipulation that in case the insured should fail to pay any quarterly 
premium when it became due the policy should lapse and become null and void. The hus- 
band held the policy and paid the premiums up to and includingthat payable January 17, 1886. 
On March 15, 1886, the notice required by the statute that another premium would fall due on 
April 17 following was duly served by the defendant upon the husband, who had the policy in 
his possession and was the agent of his wife for the purpose of receiving the notice. This 
premium was not paid, and no notice was thereafter served by the defendant. On March 29^ 
1886, while the policy was in force, the husband produced and surrendered the policy to the 
defendant, and received from the defendant I525, the surrender value. This sum was paid by 
the defendant's check to the joint order of the husband and his wife. This check was pre- 
sented, endorsed in proper form, paid by the bank and charged to the defendant. The husband 
had at the time of surrender presented and delivered to the defendant a paper under seal pur- 
porting to be signed by the wife, and to be duly acknowledged before a commissioner of 
deeds, containing a request to accept the surrender of the policy and a release discharging the 
defendant from all further liability thereon. Relying upon this paper the defendant paid the 
surrender value as stated. In September, 1886. the husband died, and not until after his death 
had the wife knowledge of the existence of the policy. Her signature to the paper containing 
the surrender and release, and the endorsement of her name upon the check were forged. She 
received no part of the (525 paid on the surrender of the policy. She demanded payment of 
the policy, and, upon refusal, presented proofs of death and then brought this action. It was 
found at the trial as matter of law that the surrender was void and the contract to pay 
in case of death unaffected thereby. The plaintiff recovered and the judgment was sustained 
by the General Term. 

HsLD—That the conclusion of the Trial Court that the surrender was as against the 
plaintiff null and void and, which is clearly correct, renders it necessary for the plaintiff, in 
order to sustain the recovery, to meet the point that the premium due on April 17, 1886, was 
not paid. The fraudulent surrender of the policy by the husband before the April premium 
became due in no way excuses the failure to pay the premium unless the defendant was in some 
way connected with that fraud or guilty of some negligent act in regard thereto. The husband 
had been treated as the plaintiff's agent, and the rule applies that when one of two innocent 
parties must sustain a loss from the fraud of a third, such loss shall fall upon the one whose 
act enabled the fraud to be committed. Judgment reversed and new trial granted. 

Schneider vs. United States Life Insurance Co, —New York Court of Appeals. * 



Widow Does Not Become a Beneficiary as a "Legal Heir." 
In this case the insured died leaving the plaintiff, his widow, and one child, a minor, sur- 
viving him. The defendant was appointed the child's guardian. The policy was made pay- 
able to his *' legal heirs." By agreement the insurance company paid $1000 to the defendant 
guardian and another (looo to the Clerk of Court, and this action was brought by the plaintiff 
widow to decide whether she or the guardian had right to this second $1000. The Trial Court 
held that the guardian was entitled to it, and the plaintiff appealed. 

Held — That as between the assured and the insurer a policy of life insurance is a contract 
for the benefit of the beneficiary, who takes by contract, rather than by inheritance or bequest, 
though the naming of the beneficiary partakes of the nature of a bequest. The decedent at his 
death held a policy payable to his " legal heirs." He left surviving him a widow and one 
child. The Iowa code provides that " if the intestate have no issue the one-half of his estate 



LIFE INSURANCE DIGEST. 71 



shall go to his paurents and the other half to his wife/' is the only instance where the rights given 
to a widow under the statutes partake of the nature of heirship. Judgment affirmed. 
Phillips vs. CJif3d«ifer— Iowa Supreme Court. 



No Premium Paid Yet Company Liable. 

The company omitted to give notice under the laws of New York, providing that life in- 
surance policies shall not be declared forfeited by reason of non-payment of premiums until 
after thirty days notice given, and that payment made within the thirty days shall be deemed 
a full compliance with the requirements of the policy in respect to the payment of premiums. 

HBLD'The insurance company was liable on a policy, a premium on which was owing at 
the time of the death of the insured, without payment or tender of the premiums, notice of for- 
feiture under the statute not having been given. 

Baxter vs. Brooklyn Life Insurance Company-^l^eyv York Court of Appeals. 



Agent Sued the Insured on a Premium Note. 

The agent of a company sued the insured for the amount of a premium note. The policy 
provided that if the first, or any subsequent premium, should be settled by note such settle- 
ment should not be deemed a payment, but only an extension of the time of the payment of 
such premium, and if the note should not be fully paid when due then, for any loss occurring 
while such note remained due and unpaid, the company should not be liable, but the whole 
amount of premium included in such note should be considered earned. The agent accepted 
a note in payment of the premium, and the company issued a policy to the applicant, but 
refused to take the note from the agent, and charged him with the amount thereof in its account 
with him. 

Held — That the provision in the policy authorized the taking of notes for premiums, and 
that, as the policy was operative until the note became due, its delivery to the defendant was a 
sufficient consideration for the note between him and the company. The note belonged to the 
agent and he might maintain action on it. 

Marksey vs. Turner, — Michigan Supreme Court. 



Possession of the Policy Necessary For a Recovery. 

In this case the insured died a resident of Maine, and an administrator was appointed in 
that State. He obtained possession of the policy, and recovered upon it. The plaintiff was 
appointed administrator in New York and sued for the amount of the policy. 

Held— That the fact that he had never had possession of the policy is fatal to a recovery. 

Morrison^ Public Administrator^ vs. Mutual Life Insurance Co, — New York Supreme Court. 



Assignment op Policy to a Creditor. 
The appellees filed suit against the appellants to recover the balance of proceeds of a 
policy of insurance on the life of John Cavanagh after deducting a debt due by Cavanagh to 
the appellants, and expenses of collecting the insurance money. The appellants were mer- 
chants doing business in Galveston, and for years had a running account with Cavanagh of 
dimensions varying from $500 to $2500. Cavanagh was in Galveston in October, 1888, and 
the appellants applied to the agent of an insurance company for a $5000 policy in their favor on 
Cavanagh's life. The agent informed them that the company issued policies only to blood 
relations of the insured, whereupon, at his suggestion, the policy was taken payable to 
Cavanagh, who then assigned it to the appellants. After receiving the policy the appellants 
and Cavanagh entered into a written agreement, setting forth that the application for insurance 
and the policy were made and obtained at the instance and for exclusive account and benefit 
of the appellants, as creditors of Cavanagh ; that notwithstanding the form of the policy, 
appellants were at their own proper cost and expense to pay all premiums which were to be in 
nowise charged to or against Cavanagh ; that Cavanagh had assigned and thereby assigned all 
interest he might have in the policy or its proceeds on account of the form of the policy or 
application, or of any facts connected therewith, and for himself, his executors and adminis- 
trators guaranteed to the appellants the sufficiency and validity of the assignment, and war- 



72 LIFE INSURANCE DIGEST. 



ranted the title of the appellants to the policy and proceeds ; that the purpose of this assign- 
ment was to eWdence the facts attending the obtaining of the policy ; and that in form as well 
as in substance it was intended to be solely for the benefit of the appellants and not for 
Cavanagh, who had no interest in the policy or in the premiums paid therefor. Cavanagh died 
in January, 1889. The appellants forwarded proof of death to the insurance company and col- 
lected the policy, $5000, March 18, 1889. The trial was before the court without a jury, and 
the appellees got judgment for the amount sued for. 

Held— That all of the questions presented in this case have been decided by this court. 
The law treats such a contract between a debtor who takes out a policy and assigns it to his 
creditor, as a security only for the debt, advances to keep the policy in force, and expenses of 
its collection with interest on such disbursements. Such is the relief administered by the 
judgment in this case, and it is affirmed. 

Lewy et al, vs. Gillard et al, — Texas Supreme Court. 

Agent's Power to Receive Dues When Main Office is Distant. 

It was established in this case that the agent was allowed only to receive the first payment 
of money due on the poticy, the policy lapsing if these were not paid. The death of the assured 
happened two months later, premiums to the amount of four months having been paid. The 
general manager of the company had publicly notified that the local agent was empowered to 
receive dues. 

Held— That this announcement was considered as a waiver of the clause in the policy as 
to the agent's powers. An agent is not allowed to vary the provisions of an application or 
policy, but this is not intended to apply as to the general agent. Where the main office of the 
company is distant from the assured, he has a right to suppose that one having charge of the 
company's general management is also a general agent. 

Hartford Life and Annuity Insurance Company vs. Hayden's Administrators—Kentuckj 
Court of Appeals. 

A Collecting Agent not Authorized to Waive Policy Conditions. 

The policy provided for weekly payments as premiums, and declared that these weekly 
payments should not be more than four weeks in arrears, else the policy should become void. 
It was also provided that agents should have no authority to waive forfeiture or to receive 
premiums on policies in arrears without first securing a written application from the insured 
for a revival of the policy, and satisfactory statements regarding the health of the applicant, 
and which application must be acted upon by the company before accepting the premiums in 
arrear. The insured had fallen in arrear, and the agent collected the amount and caused the 
insured to sign an application for renewal of her policy. He promised to return the premiums 
if the company would not accept them, and afterwards he informed the insured that the com- 
pany had accepted them, and that it was all right. He also handed her the new policy, but 
she refused to take it. She died soon afterwards. The jury returned a verdict in favor of the 
plaintiff. The court bad refused to instruct the jury that a collecting agent had no power to 
waive the forfeiture. The defendant company appealed. 

Held— That it was error for a court to refuse to charge the jury that a collecting agent had 
no power to waive a forfeiture or to bind the company by receipts of the premiums in arrear 
without any application for revival, and for the court to charge that payment by the insured 
and receipt by the agent of the premiums for the purpose of revival would warrant a recovery 
on the lapsed policy, especially in the absence of evidence that the agent actually possessed or 
ever before attempted to exercise the power to receive a forfeiture or revive a lapsed policy. 
Judgment reversed and a new trial ordered. 

Metropolitan Life Insurance Co. vs. McGrath — New Jersey Supreme Court. 



Not A Mortgage but an Absolute Sale. 
The testator of the plaintiff assigned to the defendants a paid-up policy in consideration 
of value received, and got from them an agreement whereby they agreed to redeliver it to him 
upon the repayment of the money advanced. The agreement also provided that if the loan 



LIFE INSURANCE DIGEST. 78 



was not liquidated on a certain daj the defendants should pay an additional sum to the testator 
in full for all demands upon them. The money was not repaid by the day mentioned. 

Held — ^The agreement to sell was an absolute assignment of the policy, with an agreement 
on the pan of the pledgees to resell if a certain covenant was performed, and the transaction 
was an absolute sale and not a mere mortgage. 

Brennan^ Executor^ ys. Crouch^ ImpUatUd—'^em York Supreme Court. 

LiABiuTY OF Sureties on Agent's Bond. 

The plaintiff company sued the sureties of an agent. The condition of the bond was that 
the agent should duty and promptly account for, pay over and apply all sums of money which 
might be received by him as such agent on collections or otherwise, and should keep true and 
correct books of account and make regular and correct reports of the business transacted by 
him to the plaintiff, and, upon the termination of his agency, from any cause whatever, deliver 
up and hand over all of the money, books, accounts, memoranda, property, effects and other 
things belonging to the said insurance company, ot connected with or growing out of his 
said agency. The bond was dated in 1880. The complaint alleged a breach of the bond, in 
that the agent had collected $211.55, aind had failed to pay the same over, as hs should have 
done by the obligations of said bond. An itemized statement of such collections was attached 
to the complaint. Before the jury the plaintiff proved the collections by the agent and his 
failure to pay over or account for any of them. Also that the agent had left the State in 1883, 
and soon after died in Texas. The court instructed the jury that unless they found that there 
had been an ascertained balance due from the agent to the plaintiff, of which the agent had 
notice before the institution of the suit, they would find for the defendant. The verdict was 
for the defendants. 

Held— That the instruction given at the instance of the defendant, which is the only 
ground assigned as error in the appellant's abstract, is clearly erroneous. Judgment reversed 
and case remanded the cause for new trial. 

German Insurance Co, of Freeportvs, Smeadetal, — Arkansas Supreme Court. 

Release was not Against Pubuc Policy. 

This action was raised by the widow of an employee of the Baltimore and Ohio Railroad 
Company. She had, after the death of her husband, released any claims he might have against the 
company for causing his death, for the purpose of enabling her husband's mother to obtain from 
the Baltimore and Ohio Relief Association, payment of an amount of life insurance which, under 
its constitution, was payable only on condition that all persons entitled to sue the railroad com- 
pany for his death should release the railroad company from liability, 

HsLD^The release was not invalid as against public policy. 

Black vs. Baltimore and Ohio Railroad C^xn/oify— United States Circuit Court. 



How Creditors may Secure Excess Insurance Over Wife's Statutory Rights. 

The defendant, Richard Amerman, in 1871 and 1872, while acting as executor or trustee 
nnder the will of C. L. Stokes, converted certain moneys belonging to the trust to his own 
Bse. He was removed as trustee, and directed by an order of court to make restitution of 
$4,287.58. The plaintiff was appointed his successor in trust in 1881, and in November, 1886, 
got indgment on said order. A transcript was filed in Kings County Clerk's ofllce January 19, 
1887, and an execution was issued thereon and returned unsatisfied, and has remained wholly 
unsatisfied. In 1871 A merman's wife, one of the defendants, while he was still owing the 
estate for the moneys thus converted, and he being then insolvent, applied for and procured 
from the Equitable Life Assurance Company a policy of assurance upon his life for lao.ooo, 
payable to her at his death, and in case she did not survive her husband, then their children 
should be entitled to the sum due thereon, and In case no child was left surviving, then the 
money shonld be paid to his executors, administrators or assigns. All the premiums on this 
policy to the beginning of this action were paid by Amerman out of his own property and 
funds, and the aggregate of premiums thus paid by him in excess of $500 a year amounted to 
$5,034.27. The assurance society and Amerman and his wife and their only child were made par- 



74 LIFE INSURANCE DIGEST. 



ties to this action. The law proyidet that ** it shall be lawful for any married woman, by herself 
and in her name, or in the name of any third person, with his assent as her trustee, to cause to 
be insured for her sole use the life of her husband for any definite period, or for the term of 
his natural life, and, in case of her surviving such period or term, the sum or net amount of 
the insurance coming due and payable by the terms of the insurance shall be payable to her 
and for her own use, free from the claims of the representatives of the husband, or of any of 
•his creditors, or any party or parties claiming by, through or under him. But when the pre- 
mium paid in any year out of the property or funds of the husband shall exceed (500, such 
exemption from such claims shall not apply to so much of said premium so paid as shall be 
in excess of $500, but such excess with the interest thereon shall inure to the benefit of his 
creditors." 

Held^To hold that the right given to the plaintiff cannot be asserted by action until the 
policy is due, or, in other words, until the death of her husband, would operate in many cases 
to defeat the claims of creditors entirely. An action on a judgment might be barred entirely 
by lapse of time, or the wife, with the consent of her husband, might transfer the policy and 
her interest therein to a third party. The judgment debtor, upon the conceded facts in this 
case, has diverted moneys which in equity were applicable to the plaintiff's judgment to the 
payment of the annual premiums upon the policy in question. These moneys are now repre- 
sented by the interest of the debtor's wife in the policy of insurance. The policy is not set 
forth in the complaint, and does not appear in the record. Consequently we cannot say upon 
what particular terms or conditions the existence of the policy depends, as between the insurer 
and insured. Unmatured life insurance policies have been treated by the courts as possessing 
a present value in the distribution of the assets of insolvent insurance companies, and we 
perceive no reason why the interest of a judgment creditor In such a contract, arising under 
the statute permitting a wife to insure her husband's life, may not be declared and protected 
by the courts. The wife cannot be compelled to assign the policy, nor can her interest therein, 
represented by premiums to the extent of $500, be affected by any proceedings on the part of 
such creditors. But the 'interest of a creditor may be declared by a court of equity and 
impressed upon the contract in an action where the company issuing the policy and all parties 
interested therein are parties, though the money secured thereby is not due. We think that 
the complaint states the case which entitles the plaintiff to some relief. The court will have 
power upon these facts to adjust, determine and declare the rights of the plaintiff as a judg- 
ment creditor of her husband in the policy, though the plaintiff may not be able to realize any- 
thing from such a contract until it has matured. The nature and extent of that right and the 
manner and conditions upon which it is to be condnued and preserved may also be adjudged. 
It has power also to enjoin the husband and wife from making any transfer of the policy, 
except in subordination of the rights of the plaintiff herein, and it can award a like judgment 
as to the future contingent interests of the infant defendant. Any judgment entered in an 
action to which the insurance company is made a party, adjudging and declaring the plaintiff's 
lien upon or interest in the policy, could, of course, be binding upon the company in the 
future, and thus it would be obliged to recognize the plaintiffs interest. It is probable also 
that the plaintiff, after such adjudication in regard to his rights, would be entitled to preserve 
the policy from forfeiture by payment of future premiums, upon equitable conditions, if he so 
desired. Without attempting now to point out the precise form or effect of the judgment to 
which the plaintiff may be entitled, we are of the opinion that the plaintiff is entitled to some 
relief. 

Stokes^ as Trustee^ vs. Richard Anurman et a/.-^Sew York Court of Appeals. 

Not Am Adverse Claimant. 

In accordance with the contract the insurance company undertook to pay the loss ** within 
ninety days" and it received a letter from a claimant asking immediate payment, and express- 
ing the opinion that there would be no trouble, and offering to make good any loss that might 
grow out of an early settlement. 

Held— That such letter was not notice of an adverse claimant but rather a positive belief 
that there was none ; and that the insurance company was not bound to wait until the expira- 
tion of ninety days in order to ascertain whether any claimant might dispute the standing or 



LIFE INSURANCE DIGEST. 7^ 



rights of the one holding the prima fanes. One who brings action against an insurer to recover 
the sum mentioned in the policy, after the payment has been made to the holder of the policy, 
has the burden of showing that such holder had no insurable interest or was in some way dis- 
qualified to receive the money. 

Home Mutual Insurance Co. ts. ^e^^fait— Pennsylvania Supreme Court. 

Action not Barred and Proper Instructions to the Jury. 

The policy in question provided that no suit should be brought after six months from the 
death of the insured ; and also that the policy should be void if any of the answers in the appli- 
cation were untrue. In answer to one of those questions the deceased said she was in sound 
health. She died nine months afterwards, and the evidence tended to show that she died of 
phthisis, and had been sick for three years. 

Held— That action was not barred where the beneficiary and the company have agreed on 
the amount to be paid, and the latter has agreed to pay it as soon as received from the home 
office ; further, that it was an error to refuse to instruct the jury that if the deceased was not in 
sound health at the time of making her application for insurance, and in answer to said ques- 
tion said she was in sound health, or if she was sick for three years before her death, or had 
phthisis for two or more years before her death, and in making her application did not so inform 
the defendant, the verdict should be for the defendant. Judgment reversed and remanded. 

Metropolitan Life Insurance Company of New York vs. Dempsey — Maryland Court of 
Appeals. 

Assignment to a Creditor did not Secure his Claim. 

A policy insuring a husband's life and payable to the wife was in due form assigned by the 
husband, acting as his wife's attorney, to N, a creditor, in security of a debt. But it did not 
appear that the wife consented to this assignment for the purpose of paying the debt of her hus- 
band, although she ratified this assignment. N. paid the premiums for several years, and then, 
at the direction of the husband and wife, surrendered it for a paid-up policy. The wife, after 
ratifying the assignment to N., assigned the policy to C. for a valuable consideration. N. had 
possession of the first policy until its surrender, and then of the paid-up policy. 

Held— That the assignment to N. was valid and effectual to the extent that it entitled him 
to receive from the proceeds of the new policy the sum paid by him for premium on the old 
policy. 

Commercial Mutual Life Insurance Company vs. Van Campen et al-^^^w York Supreme 
Coun. 

Policy Payable to a Trustee or His Legal Representative. 

This action was to recover under a policy payable to the trustee of the beneficiary or his> 
legal representatives. 

Held— That though the beneficiary has no insurable interest in the life of the insured, she 
acquires a vested interest in the policy on Its delivery to the trustee, and a subsequent altera* 
tion so as to permit the insured to appoint a new trustee on the death of the former trustee is 
nugatory without the consent of the beneficiary. Where the company has caused the delivery 
of such a policy to the trustee or his legal representatives it cannot, by way of estoppel to the 
representative's right to sue, set up the payment of the policy to the new trustee appointed by 
the insured on the death of the former, or the possession of the policy by the insured after the 
delivery to the former trustee. On the death of the original trustee the appointment of a new 
one in the State where the contract was executed was not essential, as it was a question of 
remedy governed by the lex fari^ and adequate provision had been made therefor in the policy^ 
and the beneficiary was represented by her guardian ad litem, 

Baxter, executrix^ vs. State Mutual Life Insurance Co, et al. — New York Supreme Court. 

Powers of a Married Woman to Assign. 
The plaintiff^ a married woman, had assigned to the defendant policies of insurance upon 
the life of her husband, issued in her favor, and had, at the same time, covenanted that the 



LIFE INSURANCE DIGEST. 



assignments were valid and sufficient, and that whenever required she would do any other act 
necessary to carry out the assignment. 

HsLD^That a married woman was capable of assigning such policies only in those cases, 
and to the precise extent which the acts of the legislature have expressly enabled her to assign, 
and a married woman having a son living was not capable of assigning a policy issued upon 
the life of her husband for her benefit, until the enabling act of 1879. ' She was not estopped 
hy said covenants from bringing an action to compel the reassignment of the policies to her. 

BraJk vs. Campbell^^em York Court of Appeals, 

SuiciDB Voids the Poucy. 

The policy contained this clause : ** It is hereby declared and agreed that the self-destruc- 
tion of the person within three years from the date thereof, whether voluntary or involuntary, 
and whether he be sane or insane at the time, is not a risk assumed by the company in this 
•contract.** It appeared from the positive declarations of the witnesses in their original affi- 
davits of proof that the insured person had committed self-destruction by shooting himself in 
the head with a pistol while laboring under a temporary aberration of mind. The effort made 
hy the supplementary testimony was to show that the death was accidental and not through 
any intentional act of the suicide. There was a verdict for plaintiff, and appeal taken. 

Held— The evidence shows, without any conflict, that the death of the insured person was 
not accidental, but that he committed suicide or self-destruction with a pistol while tempor- 
arily insane. This being so, it becomes unnecessary to discuss any of the other points made, 
and we advise that the judgment and order be reversed. 

Dennis vs. Union Mutual Life Insurance Company of Portland, J/^r.— California Supreme 
Court. 

The Insured can Will the Poucy Away From the Beneficiary Named. 

In this case the policy was issued by a Massachusetts corporation upon a contract entered 
into in Wisconsin, and the policy was delivered in Wisconsin. 

Held— That the insurance money paid was governed by the laws of Wisconsin, by which 
one who has procured a policy of insurance on his own life for the benefit of another, and has 
paid the premiums thereon and retained possession thereof, may dispose of the insuraoce by 
will or otherwise, to the exclusion of the beneficiary named in the policy ; and the fact that the 
change is made in the beneficiary's lifetime does not affect the rule. 

Breitung's Estate^ Addler vs. 5lS9^/— Wisconsin Supreme Court. 

Interest Chargeable by Implication. 

In this case questions were raised regarding interest charges, and should the construction 
be adverse to the plaintiff, to rescind the contract. The defendant insured the life of the 
plaintiff in January, 1870, for $10,000, payable at the expiration of fifteen years, or at his death 
in the event of his djring before that period expired, in consideration of ** an annual premium 
of $736.60, to be paid on January 24 in each year and every year for fifteen years next succeed- 
ing the date of this policy, or during its continuance, which annual premium is to be paid in 
the manner following : An annual loan of $368 and a cash annual premium of $368.60, to be 
paid on January 24th." From the sum insured were to be deducted '* the balance of the 
year's premium on this policy, if any, and also all the notes or credits for premiums thereon, 
and other indebtedness of the insured to this company. It was declared in the policy that *' if 
the premiums due on this policy shall not be paid at the time above mentioned, and the inter* 
est on one note or credit for premiums on this policy paid annually in advance to the company 
or its authorized agent, this policy shall terminate and become void and of no effect." This 
was the sole expression touching interest conuined in the policy. 

Held— That as the whole annual premium upon this policy became due in January of 
each year, the contract really meant that the company was to have for it, as a whole, either 
the cash, so as to use the same itself, or the equivalent of cash, if the insured retained the - 
money for its own use under the name of " loans." This equivalent could be arrived at by 
computing legal interest on the loans, and in no other way. Unpaid interest on the various 



LIFE INSURANCE DIGEST. 77 



loans, as well as their principal, was to be deducted from the $10,000 on final settlement after 
maturity of the policy. Without passing upon the question respecting the use of the prospec- 
tus to add to, contradict, or vary the policy in its legal effect, the terms of the printed circular or 
prospectus may be considered as bearing on this matter of interest. Three relevant expressions 
occur in it— <i) **The loan plan is as safe and as profitable to the company and as beneficial 
to the policyholders as the all-cash plan, because the loans bear interest and are perfectly 
safe ; " (2) " We require interest on one loan paid annually in advance ; all other interest paid 
by dividends," and immediately following the second; (3) "When the annual premium amounts 
to (50 or more, a loan, if desired, will be given for half of the amount (more or less the frac- 
tion of a dollar) ; but on all such loans 7 per cent interest must be paid every year in advance. 
A failure to pay the interest in all cases forfeits the policy." It is manifest, therefore, that the 
scheme indicated by the prospectus is the same, precisely, as that involved by fair implication 
in the terms of tlie policy. It is likewise plainly shown, from the terms of the report, that 
throughout the negotiations both parties contemplated that there would be continuously accru- 
ing interest upon the loans, the only possible misunderstanding being as to whether that inter- 
est, or any of it, would have to be paid by the insured otherwise than by the application of his 
share of the contemplated dividends. The object of the statement was simply to show each 
year how much cash was then due from the insured and for what it was due. There was no 
occasion to set out accrued interest which would not be payable until the maturity of the 
policy, or to show more than the amount for unpaid cash then, or shortly to become due and 
payable. Any influence tending to negative the right of the company to the interest now in 
controversy, founded on the absence of any such interest from the statement, would be wholly 
illogical and unwarranted. The quoted clause in the prospectus, '* We require interest on 
one loan paid annually in advance ; all other interest paid by dividends," even had it been in- 
serted in the policy would not necessarily import a warranty or guaranty that the dividends 
would or should be sufficient to discharge ail the interest not included in the advance pay- 
ments expressly provided for by the terms of the policy. The more reasonable construction of 
it would be that such Interest might be paid in dividends, and would be so paid if the dividends 
proved adequate. The true meaning is and was that dividends should, so to speak, be a legal 
tender for all interest except that required to be paid in advance. Touching the alternative 
power for a revision of the contract on the ground of fraud, the fraud complained of is, in sub- 
stance, that the company's agent represented that the business of the company was of such ex- 
tent that its profits were sufficient to protect the policyholders against liability for the loans 
and all interest thereon, and that the business would be carried into new fields and still far- 
ther extended. No specific fact as to what the business amounted to appears to have been 
represented by the agent. He gave no figures, and so far as appears, was asked for none, 
either as to past or prospective business. After the plaintiff had stood upon the contract, as 
delivered to him in writing, for fifteen years or more, in which writing none of these represen- 
tations appeared, it is certainly too late for him to call upon a court to rescind the contract in 
his behalf, more especially where he has not yet made for himself any absolute election to re- 
scind it, but has founded his suit in part upon the contract as good and valid, and only claims 
a rescission in the event that his construction of it is not correct. His case to rescind would 
have been weak bad it been brought in time. 

Maclntyre vs. Cotton States Life Insurance Company^Gtorgiz. Supreme Court. 

Non-Paymknt of Premium at Maturity. 
In this case the defense asserted the non-payment of the premium, which fell due on 
October 25, 1884. Some time before its maturity the insured was considering the prudence of 
surrendering the policy and taking a paid-up policy in exchange for the amount of its surrender 
value. On July 3 he wrote to the company enquiring for what amount a paid-up policy would 
be given in exchange. The company answered four days later, stating the then present value 
and what it would be in October, and added that the general agent ** will give you further in- 
formation, or you can write here." Matters rested until, on the day the premium matured, the 
insured's son called at the office of the general agent and told him that his father had concluded 
to take a paid-up policy, and offered to the agent in money the amount of the premium due. 
The agent advised a continuance of the existing policy and urged reasons against the substitu* 



78 LIFE INSURANCE DIGEST. 



tion proposed. He said the payment was not necessary to entitle the insured to a paid-up 
policy, but suggested that he should talk it over with his father and come in again in a week or 
ten days and it would be all right. On November 8 the insured died, and two days later the 
son called on the agent, paid the premium, and took a receipt, the agent saying, "yonr father 
has concluded to continue the policy." On November 3 the general agent, describing himself 
as "manager," and his office as a "branch office," acknowledged receipt of the policy in 
question, *' to be replaced by the paid-up in such amount as has been agreed upon," and adds, 
at the end of the memorandum : " Time extended thjrty days in which to reach a decision with 
regard to taking paid-up policy." The policy contained the common clause restricting the 
authority of all agents and denying to them power " to waive or postpone payment of premium 
or to accept it after" it became due. It was proved that the agent had many times accepted 
the premiums of the insured after their maturity, and under circumstances which fairlv charged 
the company with knowledge of the fact, and made their acceptance of the money a ratification 
of the waiver of prompt payment by the agent. 

Held— That the evidence makes it very clear that the default which occurred was a default 
occasioned by the act of the general agent of the companf, to whom the assured had been 
formally referred, accepting his premiums after their maturity, and that the assured had aright 
to infer that special permission had been given the general airent to act as he did. It cannot 
he said, as a matter of law, that there was no waiver. 

fVyman vs. T^ Phctnix Mutual Life Insurance Company — New York Court of Appeals. 



Rights of Wife as Benbficia&y. 

A wife was named in the policy as beneficiary. The policy was afterwards surrendered to 
the insurer by the insured husband, and another policy was issued to the insured husband in 
which a different beneficiary was named, without the consent of his wife the former beneficiary. 

Held — The first policy vested a complete title in the wife as separate property which 
•could not be pledged as security for the debts of the husband, or of the community. It could 
not afterwards be converted into separate property of the husband or into a community asset, 
by its surrender without the consent of the wife first legally obtained even the substituted 
policy as its rentals clearly indicate, only intended as a security for a previously existing 
indebtedness of the husband to the beneficiary named in it. the company cannot be held liable 
therefor, having been adjudged liable for the full amount of the surrendered policy. The bar 
of equitable estoppel did not apply so as to put upon the company an unconditional obligation. 

Putnam et alYS. New York Life Insurance Company— homsi^^viSL Supreme Court. 



Ordinance Imposing License Tax on Some Agents Only is Void. 

This case was to test the validity 01 an ordinance of the City of Covington passed under 
the power contained in its charter " to license and tax all exchange, loan and brokers' offices 
and agents of insurance offices in said city," and imposing a license tax upon certain insurance 
agents and solicitors. 

HELD-~That the city charter authorizes the council to compel each insurance agent to 
procure a separate license for each company he represents ; but that an ordinance requiring a 
license only from those insurance agents who represent companies located outside the city is 
void as being unreasonable and clearly an infringement of individual rights, partial and un- 
reasonable in its character, and, therefore, cannot be sustained. 

Timallet al vs. City of Covington — Kentucky Court of Appeals. 



PoucY Expired When Premium was not Paid on a Stated Day. 
The policy provided that the premium should be pa*d quarterly, in February, May, August 
.and November in each year, and that should the quarterly payment not be paid on the dajrs 
named, and in the lifetime of the insured, the policy should cease and determine. It also pro- 
vided that the acceptance of a premium after maturity should not be deemed a waiver or evi- 
dence of an agreement to waive the payment of any future premiums on the days named, and 
" that no persons but the president and secretary, acting together, are authorized to make, alter 
or discharge contracts or waive forfeitures." The premium due on February 19, 1888, was 



ACCIDENT INSURANCE DIGEST. 79 



not paid at maturity, but on March 2, 1888. the (general agent of the company promised to accept 
it, if paid by March 9. On March 6 the insured died, and the company declined to pay the 
amount of the policy. 

Held— The agent had no authority to extend the time, and the policy expired on February 
19. If the premium had been paid before March 9, the insured being In good health, it would 
have restored the policy, but until such tender and acceptance the assurance of the agent 
amounted merely to a bald promise to do something, made on his own responsibility, and 
which could not be construed to be a contract on behalf of the company, or to bind it in any 
way. 

Laui* vs. Tk€ Vermont Life Insurance Company — Pennsylvania Supreme Court. 



DECISIONS IN ACCIDENT CASES. 



Complete Paralysis of the Feet. 

In this case the policy contained an indemnity clause to the effect that *' the loss of two 
entire feet " should be paid for by the face of the policy, viz., $3000. The assured, while 
traveling in an adjoining State, was with companions, two of whom quarreled and began shoot- 
ing at each other. He tried to escape, but received a ball in his back, and became completely 
paralyzed in his legs and feet. 

Held — ^That the language of the policy should be construed in its popular sense, and that 
complete paralysis of both feet is certainly a loss of such members, and that the insurer is 
liable in the amount of the contract. 

Shannon vs. Pacific Mutual Life Insurance Company — Wisconsin Supreme Court. 



Accidental Death by Poison Implies an External and Violent Agency. 

The policy in this case assured against death by external, violent and accidental means. 
It was admitted that the death of the assured resulted from accidentally drinking poison, and 
the question was whether, within the meaning of the policy, death resulted from external and 
violent means. 

HsLD—Tbat the death arose from accidentally taking and drinking poison, and we are 
constrained to hold that the injury resulting in death may be regarded as received through 
violent means. Judgment reversed and case remanded. 

Healy vs. Mutual Accident Association — Illinois Supreme Court. 



Accidental Drowning and Proof. 

The policy in this case promised the payment of a certain sum in case of accidental injury, 
and the sum of $2500 in case the insured died through accidental means, and the policy stipu- 
lated for direct and positive proof of death by accidental means. It was claimed that the 
insured was accidentally killed or drowned while hunting with a boat upon the river. The 
plaintiff's evidence showed that, while hunting, with companions, the insured undertook to 
row a boat to their camp, and by accident discharged his gun, whereby he was either killed or 
wounded, and fell into the water and sank. The water was very deep at that place, and his 
body was never recovered. His companions testified that they saw the flash and heard the 
report of the gun and the splash upon the water when he fell, and soon after recovered the 
boat. An unsuccessful search was made for the body. The defendant's evidence tended to 
show fraud ; that the insured was alive; that he had been seen in Alabama by an acquaintance, 
and that his photograph was the picture of the man seen in Alabama. 

Held — That the sufficiency of affidavits showing compliance with the terms of the policy is 
for the court. '* Direct and affirmative proofs " are satisfied by any proof that ought to be sat- 
isfactory, even " circumstantial " evidence. The insured having disappeared, what one of his 
comrades said to the other when they met to search was admissible, and a declaration import- 
ing that the speaker thought he caught a glimpse of a man falling from a boat and saw the 
flash of a gun, etc., deals with a matter of fact, and not with a matter of opinion. It was a 
relative perception, not an inference or conclusion of the mind. The difficulty, and ofttimes 



80 ACCIDENT INSURANCE DIGEST. 



impossibility, to recover a body at the place where the insured is alleged to have disappeared 
is relevant evidence. The sufficiency of affidavits showing compliance with the terms of the 
policy is for the court. A new trial was granted on appeal. 

Travelers Insurance Company vs. Sheppard-^^oxf^z, Supreme Court. 



When Limited Time for Bringing Action Begins. 

In this case a certain sum was to be paid the plaintiff should her husband die from an 
injury, and proof of death must be furnished to the insurers within six months from the time 
of the accident. Claims were to be payable within ninety days after satisfactory proof ; and 
action, if any, should be begun within " one year from the time of the alleged accidental 
injury." 

Held— That the year did not run from the date of the accident, but from the time the right 
of action was complete, that is, twelve months after the proofs were accepted and the claim 
was in a condition to be sued. 

Cocperys, United States Mutual Accident Association — New York Supreme Court. 



Days of Grace on Premium Notes. 

The policy in this case was issued to the son of the plaintiff, who gave the defendant three 
premium notes payable at thirty, sixty and ninety days from the date of the policy. The 
insured arranged with the cashier of the firm which employed him to pay the notes upon 
presentation of maturity. The first two were paid when due. The third fell due upon April 3. 
and was presented to a member of the firm who informed the agent that the insured had left 
their service and there was nothing for him, and that the insured was short in his account. 
The agent explained that the policy would be forfeited for non-payment unless the note was 
paid ; and the firm member advised him to cancel it, as the whereabouts of the insured was 
unknown. The agent, without seeing the cashier in whose hands there was sufficient money 
due to the insured to have paid the note if it had been presented to him, returned to his office 
and entered a cancellation upon his books, and notified the home company, but neglected to 
mail notice of cancellation to the insured's last audress. On April 6, at 6 A. m., the insured 
was killed in a railway wreck. The claim and proofs of death were presented, but the com- 
paiy denied liability on the ground that the third note was due April 3, and by reason of its 
non-payment the policy was canceled and all rights forfeited. It was claimed that by law 
three days of grace should be allowed. 

Held— That the plaintiff was entitled to the full amount of the policy, as the unpaid note 
did not mature until 12 o'clock noon, on the date of the insured's death. 

Floyd vs. Equitable Accident Insurance Company of Ci^»iia/i'— Louisville Common Pleas 
Court. 



Poisonous "Bacillus Anthrax." 

In this case the insurance was " against injuries effected through external, violent and 
accidental means," and was not to extend to '* any death or disability which may have been 
caused wholly or in part by bodily infirmities or disease, existing prior or subsequent to the 
date" of the policy; *'nor to any case except where the injury is the proximate or sole cause 
of the disability or death." 

Held— That death resulting from a malignant pustule caused by the infliction upon the 
body of putrid animal matter containing poisonous bacillus anthrax^ is death from accidental 
cause within the terms of the policy. 

Bacon vs. United States Mutual Accident Association — New York Court of Appeals. 



Baggage Checker Boarding Moving Trains. 
In this case the insured was baggage checker of a transfer company, and his duties 
required him to meet and board moving trains, and check baggage to other railroad lines and 
to residences in Vicksburg. This accident policy contained this condition, namely : *' This 
insurance does not cover entering or trying to enter or leave a moving conveyance using steam 
as a motive power, railroad employees excepted." When the policy was issued the insured 



ACCIDENT INSURANCE DIGEST. 81 



gave an order on his employer for the premium, payable in foar installments, which was 
accepted by the agent and forwarded to the company. The company did not present this order 
prior to the death of the insured, although several months interveoed after the death, and with 
knowledge of facts which might have been pleaded by the company in avoidance of the policy. 
The agent of the company who issued the policy demanded and received from the beneficiary 
in the policy the unpaid premium. 

HxLD—That the insured was a railroad employee within the meaning of the section, and 
that it was a question for the jury whether such an agent was guilty of ** voluntary exposure to 
unnecessary danger" when attempting to board a moving train. The company was estopped 
to set np as a defense the non-payment of the premium, and there was a waiver of such defenses 
as were known and not pleaded. 

Gotten vs. Fidelity and Casualty Company^Citcmi Court, Southern District of Mississippi. 



Agent's Actual Knowledge is Notice to the Principal. 

In this case the insured's hand had been amputated above the wrist in consequence of the 
accidental injury. The plaintiff was partially deaf. He testified that when he took out his 
insurance his deafness was just as It had been for years, and is now, and was at the time of 
his injury. Judge and counsel had to raise their voices to a high pitch to enable him to hear 
them, as he could not hear questions asked in the tone used to other witnesses. He testified 
further that he was well acquainted with the local agent of the defendant, who took his appli- 
cation and solicited his insurance, and had often conversed with him ; that the agent had a 
chance to know the extent of his deafness when he applied for the policy ; that no question 
was asked about deafness, and nothing said about it when he made his application or received 
his policy ; that he did not think of his deafness as a bodily infirmity, and did not intend to 
suppress the fact of his deafness as aforesaid. 

Held— That it was competent to prove by the agent of«the defendant on cross-examina- 
tion that he knew or had had abundant opportunity and good reason to know the extent of the 
plaintiff's deafness when he solicited him to take out a policy, or subsequently and before the 
application was signed. Actual knowledge of the plaintiff's defective hearing on the part of 
the agent was constractive notice of it to his principal, and hence the latter is deemed to have 
waived the objection that the deafness of the former was a bodily infirmity, notwithstanding 
the fact that it was provided in the policy that the agents of the company should have no power 
to waive its conditions. 

FoUette vs. United States Mutual Accident Association — North Carolina Supreme Court. 



Provision of Policy Barred Recovery. 

In this case the policy provided for weekly indemnity to the injured in case of injury at 
once sufficient to " wholly disable him from the prosecution of any and every kind of business 
pertaining to his occupation." The insured was a manufacturer. He injured his arm so seri- 
ously, through a fall on the pavement, that he had to carry it in a sling for several months, and 
the pain was so severe that he could not lie down for any length of time, and was compelled 
to get rest and sleep sitting in his chair. During this time, however, he regularly visited his 
place of business, and gave direction to his affairs. 

Held — ^That the policy provision effectually barred recovery. 

Graceyyr%, Mutual Accident Insurance Association — Philadelphia Common Pleas Court. 



SuiaDE OR Accident. 

In this case the defense set up was suicide. The body of the insured was found with a 
bullet hole back of the right ear, and the bullet had passed upward and forward into the 
brain. A pistol lay between his legs, his hand was unclinched and there was no sign of a 
stmggle. No motive was shown why he should take bis life, and insanity was unknown in the 
family. The evidence was conflicting as to whether his hair was singed or not by the shot 

Held— That the question as to whether the death was suicidal or accidental was for the 
jury. The testimony of a physician that, in case of instantaneous death, there is an Involun- 
ury and immediate rigidity of the muscles, which would cause the hand to cling to the pistol, 



82 ACCIDENT INSURANCE DIGEST. 



rendering it impossible for the deceased, if he were a suicide, to place it between his legs after 
shootinfr* is competent and admissible on the question of suicide. The presumption of law is 
against the assumption of suicide where it appears that a violent death was the result of either 
accidental injuries or a suicidal act. 

JVashbum vs. NoHonai Accident Sffcifty—^ew York Supreme Court. 



Accidental Injury Supsunducino Fatal Disease. 

In this case it was proved that the insured had sustained an accidental injury to an arterial 
organ, which superinduced other diseases terminating in his death. 

Held — ^That the original injury will be regarded as the immediate and sole cause of death, 
but if an independent disease, not necessarily brought on by the injury, supervened upon the 
accident, or if ihe accident merely brought to life a dormant disease, the injury could not be 
considered as the sole cause of death. 

Barr vs. United States Mutual Accident Association — Voi. 23, Federal Reports. 

Hunting foe Recebation Not an Occupation. 

One Frohard was insured as a ** merchant" for $5000, and was accidentally killed while 
hunting, not as a professional hunter, but for sport. In the certificate It was ** expressly sripu- 
lated and agreed that in the event of the member being either fatally injured or otherwise dis- 
abled while engaged, temporarily or otherwise, in any act or occupation classed as more haz- 
ardous than the one in which he is accepted according to the classification given by the rates 
and by-laws of this association, then an amount shall be paid equal to the rate of the occupa- 
tion in which the member is engaged when receiving the injury, and such amount shall be pay- 
ment in full i* and the by-laws provided that if a member were injured " while engaged, tem- 
porarily or otherwise, in another occupation more hazardous than the one in which he was 
engaged when insured, he or his beneficiary shall be entitled to receive only such indemnity as 
is provided for in the class or occupation in which he is engaged at the time of the injury. "* 

Held— That the word "occupation," as found in the by-laws, had reference to the ordin- 
ary profession, trade or calling in which the assured was eogaged for hire or profit, and did not 
preclude him from the performance of acts and duties which are simply incidents connected 
with the daily life of men in any and all pursuits, and that the beneficiary was entitled to the 
$5000. The words " in any act," in the quoted provision of the certificate, did not give the 
certificate any other meaning than it would have without them, and the fact that the member 
lost his life by an accident, while hunting for tecreatiooi did not reduce the sum agreed to be 
paid from that provided in the certificate. 

Minnie Frohard y%. Mutual Union Accident Association — Illinois Supreme Court. 

Death Without Mark op Injury. 

In this case the certificate provided that it should not extend to injuries of which there was 
no visible mark on the body of the insured nor to death resulting from various causes. The 
deceased was insured as a stationary engineer — a less hazardous occupation than that of a 
woodchopper. The deceased was fatally injured while chopping firewood for his own use. 

Held — That the company was liable in case of accidental death, though there was no 
visible mark of the injury on the body. The question for the jury was whether the deceased 
was injured while performing the act peculiarly embraced in the occupation of a woodchopper, 
and not in that of a stationary engineer, and not simply whether he was engaged temporarily ia 
an occupation more hazardous than that of a stationary engineer. 

Eggenberger ^%, Guaranty Mutual Accident Association^U aiied States Circuit Court, Min« 
nesota. 



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II 



COMPANIES LICENSED IN CANADA. 



97 




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mils' SSn 



98 



COMPANIES LICENSED IN CANADA, 



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COMPANIES LICENSED IN CANADA. 



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Statistics of Foreign Companies. 



The greater portion of the following statistics relative to foreign insurance compa- 
nies, showing their location, insurance transactions, financial standing and business 
managers, we compile from that very valuable English publication, the Post- Magazine 
Almanack. Persons desiring information regarding any English company more in 
detail than is here given, are referred to that publication. The Table of Life Insur- 
ance in Great Britain we condense from The Review. 



Date of 
Oripuii- 



Namb and Location of Company. 



Character of Buunetfl. 



.Name of Manager and Secretary. 



i86a 
Z882 
Z866 
1824 
Z834 
Z876 
z8o8 
zBoo 
Z865 
Z872 
Z872 
Z846 

z88z 

Z840 



z886 
i8S9 

Z884 
Z876 

Z874 
Z863 
z88o 
Z890 
Z847 

lUi 

zSSi 

Z883 

Z866 
zStia 

^Ht 

Z890 
1873 
Z805 
zStz 
Z887 



Z834 
Z840 
Z838 



Aberdeen & Northern F. S., Aberdeen 

Abstainers and General, Birmingham 

Accident, London, £. C 

Alliance, London 

Alliance, London, E. C 

Amalgamated Engineers P.S., London 

Atlas. London, E. C 

Atlas Plate Glass. Bristol 

Bankers Guarantee, London, E.G.. 

Bath and West of England. Bath . . . 

Berkshire F. S.. Newbury , 

Birmingham United Legal F. S., Bir- 
mingham 

Birmingham Workmans F. S., Bir- 
mingham 

Blackburn Philanth. Buiial F. S 
Blackburn 

Blackburn Philanth. Munial F. S.. 
Blackburn , 

Blackburn Plate Glass. Blackburn 

Boiler Insurance and Steam Power, 
Manchester , 

Bolton Commercial. Bolton , 

Bolton Cotton Trade, Bolton 

Bradford Plate Glass Mutual. Bradford. 

British and Foreign, Liverpool . 

British and Irish Plate Glass, Bristol. . 

British Combination, Edinburgh 

British Empire Mutual, London. E. C. 

Bridsh EquiUble, London, E. C 

British Law, London. E. C 

British Legal, Glasgow 

British Mutual, Leeds 

British Steam Users. Manchester 

British United Guarantee, Leeds 

British Workmans, Birmingham 

Bridsh Workmans F. S.. Walsall 

Bridsh Medical and General, London. 

Builders Accident, London, W. C 

Burglary, London 

Bute, Rothesay 

Caledonian, Edinburgh 

Caledonian Plate Glass, Glasgow 

Cambridge University and Town, 
Cambridge 

China Traders. London, E. C 

Chorley Family Funeral F. S.. Chorley 

Church of England, London , 

City of Glasgow, Glasgow 



Industrial Life ft End. 

Life and Accident 

Aoc's. Gen'l and Rail 

Life and Fire 

Marine 

Industrial Annuity. . . 

Fire and Life 

Plate Glass 

Fidelity Guarantee. . . 

Plate Glass 

Ind. End. ft Med.Aid 

Industrial Life 

Ind. Lite ft Sickness. . 

Industrial Ufe 

Industrial Life 

Plate Glass 

Steam Boilers, Em- 
ployers Liability... 

Plate Glass 

Fire 

Plate and other Glass. 

Marine 

Plate Glass 

Ace., Sickness ft Fire. 

Life 

Life 

Fire 

Life and Loans 

Plate Glass 

Steam Boilers 

Fidelity Guarantee... 
Life and Endowments 
Ind. Life and Sickness 

Ufe 

Employers LiabiUtv. . 
Burglary and Theft. . 

Fire 

Fire and Life 

Plate Glass 

Fire 

Marine 

Industrial Life 

Life and Fire 

Ufe.. 



Jas. Robertson, Sec. 
R. A. Craig, Sec. 

C. Harding, Man. 
Robert Lewis, Sec. 
Douglas Owen, Sec. 
J. W. Bacon, Sec 
S. J. Pipkin, Sec. 
C Gardiner, Sec. 
John A. Allen. Sec. 
S. G. Mitchell, Chm. 
G. J. Cosbum, Sec. 

Henry Feam, Sec. 

George Mackie, Sec. 

Abraham Culshaw, Sec 

Richard McNeal, Sec. 

E. J. Bullough, Sec. 

Edward Hadfidd. Sec 

John T. Bentley, Man. 

P. Kevan, Sec. 

Thomas Middlebrook, Sec. 

A. McNeiU, Sec. 

H. L. Riseley. Sec 

Wm. Belcher, Man. 

Howard J. Rotbery. Act 

W. S. Gover, Man. 

H. Foster Cutler, Man. 

H. Steel, Sec. 

Chas. Hy. Wilson. Sec 

NeO McDoogaU. Man. Dtr. 

Chas. Hy. Wilaon, Sec 

H. Port, Man. 

Daniel Hopley,Sec 

R. p. Hardv.Sec 

£. S. Henshaw, Sec 

W. Hasdnn Conard. Man. 

A. D. and D. Macbeth. Sees. 

D. Denchar, BiCan. 

W. M. McCuUodi, Man. Dir. 

Arthur Rutter, Sec 
W. Schmidt, Man. 
James Sargent, Sec 
H. M. Baker. Sec 

F. F. Elderton. Man. 



INSURANCE COMPANIES IN GREAT BRITAIN. 



101 



DIRECTORY OF COMPANIES IN GREAT BRITAIN— Cwi/t»«^^. 



Namk and Location cp Company. 



Character of Bni 



Name of Manager and SocieUry. 



City of Glasffow F. S.. Glasgow 

City of London Fire, London, E. C. . 



Clergy Mutual, Westminster 

Clerey Pensions Inst., Lohdon. W.C 

Clerteal Med. and Gen,, London. . . . 

Coldicster Mutual, Coldiester 

Colonial Mutuml Fire, London, E. C. 

Colonial Mutual, London, E. C 

Combination F. S., Brentford 

Commercial Fire of Scotland, Edin- 
burgh 

Commercial Plate Glass. Sunderland. . 

Commercial Union. London, E. C. . . . 

Cotton Waste Dealers, Heywood 

Co-operative, Manchester 

Counties Plate Glass ft Gen., Cardiff. 

County, London 

County, Hertford 

Crown, London, E. C 

Crown Accident, Bristol 

Crystal Glass, London, W, C 

Cumberland & Westmoreland, White- 
haTcn 

Cumberland Glass, Whitehaven 

Derby Mutual, Derbv 

Dundee and District Mutual, Dundee. 

Eagle, London, S. W 

Eastern Counties, HuU. 

Ecclesiastical Boildines, London, W.C 

Economic Life, London, E. C 

Economic Fire, London, E. C 

Economic Plate Glass, Plymouth 

Economic Reinsurance, London, E.C. 

Edinburgh, Edinburgh 

Edinburgh Employ. Liab., Edinburgh 

Empire Plate Glass, Cardiff 

Emp. Ins. Co. of Great Britian, Glasgow 

Employers Liability Assurance Corpo- 
ration, London, E.C 

Emp. Laab. ft Workshop, Birm'gham. 

Eng., B'ler ft Emp. Lia., Manchester. 
Eng. ft Scottish Law, London, S.W. . 
English Industrial F. S., Liverpool. . . 

Equity and Law, London, W. C 

Equitable Fire ft Ace., Manchester. . . 
Equitable Reversionary, Lon., W. C. . 

Equitable Society, London, E. C 

Essex ft Suffolk EquiUble, Colchester. 

Federative. Oldham 

Fire Insurance Ass'n, London, E. C. . 

Fine Art, London 

Free Church of Scotland Fire, Edin- 
burgh 

Friendly Society ft General, Londoif , 
Friends Provident Insurance, Bradford 

General, London, £. C 

Gen. Ace., Guar, ft Indem., Dublin 

General Hailstorm, Norwidi 

General (of Perth ), Perth 

General Reversionary, London, S.W.. 
Glasgow Plate Glass, Glasgow. 
Globe Accidents, Manchester. . 
Globe Marine, London, E. C. . 
Globe Sick Bene6t F.S., London, E. C. 

Gresham, London, E. C 

Guarantee Society, London, E. C 

Guardian, London 

Guardian Plate Glass, Manchester 

Guernsey Mutual, Confined to Gnem- 



Ind. Liiie and Sickness 

Fire 

Life, Endowm'ts, etc. 

Annuities 

Lilie 

Plate Glass 

Marine 

Life and Annuity 

Sick, Lite ft Endow.. 

Fire 

Plate Glass 

Fire, Life and Marine 

Fire 

Fire, Life and Fidelity 

Plate Glass 

Fire 

HaU 

Life 

Accident, Guarantee 
Plate Glass 



Fire 

Plate Ghus 

Plate Glass 

Plate Glass 

Life 

Fire 

Fire 

Life 

Fire 

Plate Glass 

Fire Reinsurance 

Life and Annuities . . . 
Accidents of all kinds . 

Plate Glass 

Emp. Liab. Ace. Fid . 
Emp. Liab., Acc't, 

Fid. and Fire.... 
Employers Liability 

Eng., BVr ft Emp. Lia 
Life, Ann., End. ft Ln 
Indus. Life, Sickness 

and Ace 

Life 

Fire 

Reve.. Life Int., An 
Life and Survivorship 

Fire 

Fire and Fidehty... 

Fire 

Fire 



Trust Property Only. 

FideUty 

Life, Ann., End., etc. 

Life and Fire 

Acddento, Glass. Fid. 

Hailstorm 

Ace.. Emp. Liability. 
Purchase of Rever, etc 

Plate Glass 

Accident & Guarantee 

Marine 

Industrial, Sickness.. 

Life 

FideUty 

Fire and Life 

Plate Glass 



scy, Guernsey. . 
Halifex Royal F. S.. Halifax. 



Fire 

Ind. Life ft Med. Aid. 



A. Macdonald. Sec. 

L. C. Phillips, Gen. Man. 
Matthew Hodgson, Sec. 
John Duncao, Sec. 

B. Newbatt. Act. 

C. D. Keigwin, Sec. 
H. J. Symons, Under. 

E. W. Browne, Man. 
Samuel Proud, Sec. 

R. Alton Taylor, Man. 

G. W. Bain, Man. 

H. Mann, Sec. 

W. Booth. Sec 

James Odgen, Man. 

Alfred Sheppaxd, Man. 

S. A. Beaumont, Man. Dir. 

J. W. Chesshyre, Man. Dir. 

A. Mackay, Sec. 

W. E. Thomson, Man. Dir. 

Richard S. Henshaw, Sec. 

J. Cant, Man. 
H. T. Weld. Man. 
Samuel Hall, Sec. 
J. A. Murdock, Sec. 
G. Humphreys, Sec. 
S. T. Nicholson, Sec. 
John Duncan, See. 

C. D. Higham. Sec. 
J. Carswell. Sec. 
William Luxon, Sec. 
J. CarswcU. Man. 
G. M. Low, Man. 

J. M'Cankie, Man. 
W. W. Pedler. Sec 
A. F. Maclure, Man. 

S. S. Brown, Man. 
W. F. Greening and A. Weow- 
iuff, Sees. 

F. Moss, Sec. 

A. Jackson, Man. 

J. Carty. Sec. 

G. W. Berridge, Sec. 

D. R. Paterson. Sec. 

F. S. ft C. H. Clayton, Sees. 

A. F. Burridge, Sec. 
Robert Anderson, Sec 
J. Wainwrisht, Man. 
D. Lawrie. Man. 
QaudeJ. Hay, Sec. 

William Brown. Sec 
W. C. Pearce, Sec 
J. B. Tennant, Man. 
Henry Ward, Man. 
Thomas Cleary, Man. 

C. R. Oilman. Sec 
F. None Miller. Sec. 

D. A. Bumsted, Act. 
T. Dick, Man. 

J. Corbett McBride, Man. 

B. Francis Cobb, Sec. 
H. Hyslop, Sec. 

T. G. Ackland. Man. 
Augustus Musio. Sec. 
T. G. C. Browne. Sec 
Thomas Hariis, Sec 

J. Bishop. Sec. 
WilUam Smith. Sec. 



102 



INSURANCE COMPANIES IN GREAT BRITAIN. 



DIRECTORY OF COMPANIES IN GREAT BRITAIN— G>ff<^t««/. 



DaMof 
zanon. 


Namb and Location or Company. 


Charactw of BndncM. 


Name of Maaager aad SecRtary. 


Zooo 


Halifax Mutual, Halifax 


Plate Glass 


Joseph Binns, Sec. 
Frederick Shellard. Sec. 


Hund-iD-Hand, Baib 


Plate Glass 

Fire, Life and Annuity 
Fire 


X 


Haod-in-Hand, London, E. C 

Hard Waste Manufacturers, Bury 

Harrogate, Ripon ft Knaresboro, Har- 
rosate 


B. Blenkinsop. Man. 
Richard Horrocks. Sec 


1889 


Plate Glass 


C. E. Atkinson. Sec. 


1888 


Health Insurance Cor.. London, E. C. 


Sickness and Aoet 

Loans ft Plate Glass.. 
Life ft Endowment. . . 
Fire 


T. T. Peters. Man. 
T. Hutchinson. Sec. 
Alfred Morris. Sec. 


Honcf Koni!. London. E. C. . . ...... 


C. G. Hay. Man. 
A. Waters. Man. Dir. 


x868 


Horse, London, E. C 


Horses and Cattle.... 
Employers Liability. . 
Plate Glass .......... 


z88i 


Huddersfield and District 


F. A. Shaw, Sec. 


1881 


Hull and Eastern Counties, Hull 

Imperial Fire, London 


S. T. Nicholson, Sec. 


1893 
z8ao 


Fire 


E. Cozens Smith, Man. 


Imperial Life, London 


Life 


J. Chisholm, Man. 


Z878 
1875 

X87J 


Imperial Live Stock, London. S. W. . 
Imperial Union Ace.. Ix>ndon, E. C. . 

Indemnity Mutual, Loudon, E. C 

Industrial Band of Hope F. S., Fam- 
wortb, Lancashire 


Horses. Cattle, etc... 
Accidents 


Benjamin S. Essex, Sec. 
A. B. Shelley. Sec 
Henry Haslam, Under. 

Joseph A. Ashton, Sec. 


Marine. 


Ind. Ufe and Sickness 
Industrial Accident... 

Ind. Life and Sickness 
Plate Glass 


Z889 
z88i 


Industrial Accident, Soathport 

Industrial B. H. Juvenile F. S., Fam- 
worth 


H. Bingham, Man. 

Joseph A. Ashton, Sec 
H. inshwick. Sec. 


1884 


Insurers, Rochdale 


i^ 




Marine 


W. W. aay, Sec. 


T^ 


Ipswich Mutual Plate Glass, Ipswich. . 
Isle of Man, Douelas 


Plate Glass 


Alfred T. Baxter. Sec 


z883 


Fire 




]'^ 


Isle of Wight Mutnal, Ventnor 

Itinerant Methodist Preachers, London 


Plate Glass .......... 


W. E. Briddon, Sec. 


Anniuties 


Rev. John Cooper. 




Fire 




iSoa 


Kent, Maidstone 


Fire 


Walter L. Seyfeng, Man. 
C. McBride. Man. 
George Stewart, Man. 


X877 
z8^ 


Lancashire and Yorkshire, Manchester 


Accident and Guar. . . 

Lite and Fire 

Industrial Life 

Fire 


1841 

Z833 


Lancaster Benevolent F. S., Lancaster 

Law Fire, London. W. C 

Law Guar, and Trust, London, W. C. 
Law Lite, London , . 


R. C. Harker. Sec. 
George William Bell, Sec 
Thomas R. Ronald. Man. 
E. H. Holt, Man. 


Fidelity, Trusts, etc. . 
Life... 


Z850 
Z8S3 

Z883 

Z890 
Z838 
Z87Q 


Law Property, London, W. C 

Law Reversionary, London, W. C 


Life and Titles 

Rever. Life Int. Ann. . 
Life, Fire ft Annuities 

Industrial Life 

Boiler. Emp. Liab. . . 
Life and Annuity .... 
Ind. ft General Life.. 

Plate Glass 

Life and Annmties. . . 
Fire 


H. C. Wilson, Sec 
C. B. Clabon, Sec. 
R. Grant Watson, Man. 


Leeds and General F. S., Manchester. 
Leeds and North of England, Leeds. . 

Legal and General, London. E. C 

Leicester Industrial, London. B. C. . . 
Leicester & Mid. Counties. Leicester.. 
Life Ass'n of Scotland, Edinburgh. . . . 
Lion Fire, London, E. C 


George Betts. Sec. 
G. H. Forster. Man. Dir. 
E. Colquhoun, Man. 
J» R. Davies, Man. 
J. D. W. Bilham, Sec 
J. P. Smith, Man. 
T. B. Bell. Man. 


18^ 


Liverpool ft London ft Globe, L'pool. 

Liverpool Mortgage, Liverpool 

Liverpool Plate Gmss. Liverpool 

Liverpool Protective F. S.. Liverpool. 

Liverpool Reversionary, Liverpool 

Liverpool United Legal F. S., L>>ol. 
L'pool Vict. Legal F. S., Lon.. E. C. 

Local Government, Westminster 

London Amicable, London, S. W 

London and County. London, E. C. . 
London and County. London, E. C. . 
London and General. London, W. C. 
London and Lancashire, Lon., E. C . 
London and Lancashire. Liverpool . . . 
London and Man. Ind., Lordon, S.E 
London ft North British, London,E.C 
London and Provincial. London, E.C 
London and Provincial. London. E.C 
London and Provincial Horse and 

Carriage. London. E. C 

London ft Univ. F. S., London 

London Assurance Corp., London. . . 
London, Edinburgh and Glasgow 

London. E. C 

London Guarantee and Accident, Lon 

don, E. C 


Fire. Life ft Annuities 
Mortsaffe 


John M. Dove, Man. 
John Wm. Davidson, Man. 


z866 


Plate Glass 


J. Reid Moir, Man. 


z8s6 
Z878 
X840 


Industrial Life 

Purobase of Rever., etc 
Sickness 


Daniel J. Thompson, Sec. 
Cochran ft Walker. Sees. 
James Currie, Sec. 


1843 


Life 


John G. Clensy, Sec 
C. H. Venning, Sec 


X 

z88z 
Z873 


Fidelity 


Life and Accident.... 

Fire and Fidelity 

Plate Glass 


Walter Wieland, Sec. 
William Jopson, Sec 
Henry Hare, Sec. 


z86i 
Z863 


Plate and other Glass. 
Life 


F. B. Williams, Sec. 
W. P. CUrehugh, Man. 
C. G. FoUiergifl, Man. 


z86a 


Fire 


1869 
z886 


Life. Med. Aid ft En. 
PIa»e Glass 


Woodward ft Grayling. Man. 
W. Swan Parker, Man. 


z88z 


Fire 


H. Williams. Man. 


z86o 


Marine 


J. Daniell, Sec 


X873 
z886 
\^^ 
Z869 


Horses and Vehicles 

of all descriptions.. 

Ind. Life ft Med. Aid 

Fire, Life ft Marine. . 

Life, Industrial, Ace 

G., A. ft Emp. Liab 


A. Watere, Man. Dir. 

B. Annereau, Sec 
Fred. Carpenter, Sec. 

W. A. Bowser. Man. 

E. G. L. Anderson, Sec. 









INSURANCE COMPANIES IN GREAT BRITAIN. 



108 



DIRECTORY OP COMPANIES IN GREAT BVHTAlV^Omtinued. 



Date of 


Name amd Location or Compamy. 


Chanurter of BiuineM. 


Name of Manager and Secretary. 


z8o6 


Loodon Life Ass'n, Londoo, £. C. . . . 
London Plate Glass. London. £. C. .. 

London Window Glass, London 

Loyal Philanthrophic F. S., Liverpool. 
Manchester. Mancbester 


Life 


John Whitcher, Sec. 


1885 


Plate Glass 


Wm. R. Ockcrby, Sec. 


z8qo 


Glass. . ....^^ 


1824 
z8qo 


Industrial Ufe 

Fire 


Richard Thompson, Sec. 
J. B. Mofiat, Sec. 


Manchester Steam Users. Manchester. 
Mancbester Underwriters. Manchester 


Glass......... 


R. A. R. Mullen. Sec. 


:% 


Engines and Boilers. . 
Marine 


Robert Tonge. Sec. 
F. G. Freeman. Sec 


1896 


Marine 

Ufe (also Marine).... 
Marine 


F. A. White, Man. 


Marine & General Mutual. I<on., B.C. 
Maritime. Liverpool 


C. G. Laing. Man. 
R. S. Sandford. Sec. 


188s 


Mercantile Accident and Guarantee, 
Glasgow 


Accidents. Fid. Guar. 

andEmp. Liab 

Marine 


T. W. Rutherford, Sec. 


1871 


Merdumts Marine. London, E. C 

Methodist and General. London 

Metropolitan Life, London. £. C 

Midland Counties. Lincoln 


Alfred Dawson. See. 


18^ 
(835 


Industrial Life 

Ufe...., 


J. Field. Sec. 
Arthur Pearson. Act. 


185! 

1884 
1847 
1834 

1833 


Fire. Lite. Hail ft An. 
Mutual Fire Insurance 
Fire 


Beniamin Vickers, Sec. 
J. H. Chatterton, Sec. 
William Smith, Sec. 


MUlers Mutual. London. E. C 

Morley Mutual, Morley 


Mortgage Insurance. London 

Mutual Plate Glass. Darlington 

Mutual Provident Alliance, Lon., S. E . 
Mutual Life, London. E. C 


Mong. ft Debentures. 

Plate Glass 

Sick, Life. An.. End.. 
Life 


T. Y. Strachan, Man. 
James Cooper, Sec. 
G. W. Hardwidgc, Sec. 
H. G. Rowsell, Sec. 


National Assurance of Ireland, Dublin 
National Boiler, Manchester 


Fire, Life and Ann... 
Boilers 


Harold Engelbach, Sec. 
H. Hiiler, Man. 


Jg8 


National Debt Office, London. E. C. . 

National Guarantee. Edinburgh 

National Gaardian. London. W. C . . . 
National Life, London 


Red. of Nat. Debt.,etc 
Fidelity 


Sir C. Rivers Wilson, See. 
G. Todd Chiene, Man. 


18^ 


Ufe and Loans 

Life and Annoides . . . 
Marine 


Thomas J. Bourne, Sec. 
H. J.' Puckle, Man. 


National Marine. London, E. C 

National Medical Aid. London. £. C. 
National Pension Fund. London. E.G. 

National Provident. London, E. C 

National Provincial, London 

National of Scotland. Glasgow 

Newport (Mon.), Newport 


W. Gray, Sec. 

A. Henri ft E.T.Harwood^Secs^ 

E. T. Clifford, Man. 

Arthur Smither, Sec. 


z886 
1888 
Z835 
Z854 


Medical Attendance. . 
Pensions for Nurses. . 
Life 


Plate Glass 


J. H. Brown, Sec. 


1837 


Reversions 


G. A. Randall, Sec. 


1809 


Accident, Emp. Liab. 
Plate Glass 


John G. Porter. Sec 


North. Brit. Fid. & Ind. Boiler, Glasg'w 
North British Fishing Boat. Peterhead 
North British ft Mercantile, Edinburgh 
North China, London. E. C 


Boilers ft Machinery . 

Fishing Boats 

Fire. Life and Ann .. . 
Marine 


Robt. Gray, Sec. 
A. G. Smith. Man. 
S. H. Morris. Man. 


North Eastern, Newcastle-on-Tyne . . . 
Northern Accident. Glaseow.. 


Plate Glass 

Acc..Emp.Lia.ftP.G 
Plate Glass 


J. T. Fatherley. Man. 
R. W. Thompson, Man. 
W. R. Sanderson, Sec. 


1888 


Northern Counties, Workington 

Northern, London, £. C 


1836 

x868 


Fire and Life. 


James Valentine. Man. 


Northern Marine, Dundee 


Marine 


J. I^gie, Sec. 

J. Ferguson, Under. 


\nsi 


Northern Maritime, N'castle-on-Tyne. 

Northern Plate Glass, Aberdeen 

North Yorkshire Agricultural, North- 
allerton 


Marine 


Plate Glass 


John M. Dunn, Sec. 


1878 


Fire 


G. J. Robinson, Sec 


18515 

1797 


Norwich and London, Norwich 

Norwkh Union Fire. Norwich 

Norwich Union Life. Norwich 

Nottingham Plate Glass and Boiler. 
Nottingham 


Ace.. E.L..P.G.ftPid 
Fire 


C. R. Oilman, Sec. 
C. E. Bignold. Sec. 
J. J. W.T^euchar, Sec 


x8^ 


Life '., 


1886 


Plate Glass and Boiler 
Fidelity Guarantee.., 
Marine 


Chas. Preston. Man. 


1877 


Ocean and Gen. Guar., London, E.C. 

Ocean Marine, London, E.C 

Oldham, Oldham . . , ^ ........ 


Richard J. Paul. Sec. 
A. Price, Sec 


Fire 


J. Cle«g, Sec. 


?Sll 


Oldham ft District Tradesmens, Old'm 
Palatine Fire, Manchester 


Fire 


John Berry, Sec. 


Fire, Ace. and Guar. . 

Life and Fire 

Life 


J. N. Lane, Man. 


II 


Patriotic of Ireland, Dublin 


B. H. O'Reilly. Man. 


Pearl, I^ndon, E. C 


P. J. Foley. Man. Dir. 
R. C. Tucker, Sec. 


Pelican, London 


Life 


Peoples FamUy Life F. S.. Dudley. . . . 
Peoples Universal F. S.,Wolverh'pt'n. 
Phoenix, London 


Industrial Life ft Sick 
Industrial Life ft End 
Fire 


Benjamin Mason. Sec. 

Isaac Jones. Sec. 

W C. ft F. B. Macdonald, Sees. 


iSa 


Plate Glass Insurance, Loodon, E. C. 
Positive. London, E. C 


Plate Glass 


Fred J. Ainstie, Sec. 


1870 
18^ 


Life 


A. G. Mackensie, Sec. 


Post Office. London, E. C 

Primitive Methodist, York 


Life Annuities, etc 

Fire (trust prop, only) 
Industrial Life ft Sick 
Industrial Life ft Sick 
Life 


A. Fmlaison. Act. 
Rev. Chas. Smith, Sec. 


1888 


Principality F. S. Cardiff. 


Alfred Llewellyn. Sec. 


1882 


Prominent Sick Benefit F.. Southsea. . 
Provident, London 


John Ludwig, Sec. 
S. A. Beaumont, Man. 











104 



INSURANCE COMPANIES IN GREAT BRITAIN. 



DIRECTORY OF COMPANIES IN GREAT BRITAIN— CiwAitiftri/. 



Date of 
zation. 



1886 
1870 
1865 
1840 
185a 
X848 

1857 
X849 
X870 

1864 

I8a3 

JM 
1883 
1845 

J^ 
Z86z 
z88a 
Z885 
Z887 
1864 
1877 
x888 
Z836 
z88z 



x88i 

185a 
z88z 
Z876 
X870 

1837 
X878 
1883 
x8a4 
181S 
Z870 
X889 
X885 



I8as 
Z871 



x86z 
X710 
z8io 
x86o 
X885 

X867 
1877 
X863 

883 
1877 

X8a4 
X840 
X870 
Z885 
z866 



Namb and Location of Company. 



Provident Assurance Co., Lon., £. < 
Provident Plate Glass, Birmin^am. 
Provident Clerks, London, E. C. . . . 
Provident Clerks, Londen, E. C. . . . 
Provident Clerks, London. E. C. . . . 

Provincial, Wrexham 

Prudential, London, E. C 

Queen, Liverpool 

Railway Passengers, London, E. C. 
Rechabite Temperance F.S., Manch'tr 

Refuge, Manchester 

Reliance, London 

Reliance Marine, Liverpool 

Reversionary Interest, London, E. C 
Reversion Purchase, London, E. C. . 

Rock, London 

Royal Counties F. S., London, B. C. 

Royal, Liverpool 

Royal Exchange Assurance, London. 

Royal Liver. F. S., Liverpool 

Royal London F. S., London, E. C. 

St. Albans, St. Albans 

St. Columb. District Mot.. Cornwall. . 
St. Helens and District. St. Helens. . 

Sceptre Life, London, E. C 

Scottish Accident, Edinburgh 

Scottish Alliance, Glasgow 

Scottish Amicable, Glasgow 

Scottish Boiler and Engine. Glasgow 

Scottish Celtic F. S., Glasgow 

Scottish Clerks F. S., Glasgow 

Scottish Employers, Aberdeen 

Scottish Equitable, Edinbur|^ 

Scottish Imperial, Glasgow 

Scottish Legal Life Assur. F. S., Glas. 

Scottish Life, Edinburgh 

Scottish Metropolitan, Edinburgh.. 



Character of BaancM. 



Scottish Plate Glass, Edinburgh, 

Scottish Provident, Edinbur^ 

Scottish Reversionary, Edinbiu-gh . 

Scottish Temperance, Glasgow. . 

Scottish Union and National, Edinb'b 
Scottish Widows Fund, Edinburgh. . . 

Sea, Liverpool 

Security, London, S. W 

Sickness and Accident, Edinburgh. . . . 
Southern (of Melbourne), Lon., £. C. 

Standard Accident, London, E. C 

Standard Life. Edinburgh 

Standard Marine, Liverpool 

Standard Plate Glass of Scot., Glasgow 

Star, London, E. C 

Star Benefit F. S., Leicester 

Stirlingshire F. S., Stirling 

Sun Fire. London 

Sun Ufe, London 

Thames and Mersgr. London, E. C 

Torquay Mutual, Torquay 

Travelers, London, E. C 

Trus'cs, Ex'ors & Sec'ties, Lon., E. C. 

Ulster Marine, Belfast 

Ulster Plate Glass. Belfast 

Union Marine, Liverpool 

Union, London 

United Fire Agency, London, E. C. . . 
United Fire Reinsurance, Manchester. 

United Kent, Maidstone 

United Kingdom Temp., etc., London 

United Refbnn F. S., Glasgow .»«.,»».. 

United Superannuation F. S.,Southsea Pensions 



Universal Insurance, Leeds 

Universal Life Assurance, London 

Universal Marine, London, E. C 



Plate Glass 

Accident 

Guarantee 

Life and Ben. Fund. . 

Ufe 

Life 

Fire, Life, Annuities.. 
Rail, Gen., A. & E. L. 

IndusUial Life 

Ordinary ft Ind. Life. 

Life 

Marine 

Rever., Pol. and Ann. 

Reversions 

Life and Survivorship 

Industrial Life , 

Fire, Life and Ann . 
Fire, Life, Ann.. Ship 
Industrial Life. .... 

Industrial Life 

Plate Glass 

Fire 

Plate Glass 

Life and Endowments 
Acdd't (personal only) 
Fire ana Accident . 

Life 

Insurance and Inspec. 

Industrial Life 

Industrial Life ft S^ck 
Emp. Lia.,Acc. ft Fid 

Life 

Life 

Life 

Life, Ace. and Ann . 

Life 

Plate Glass 

Life and Annuities. . 

Reversions. 

Life and Accident. . . 

Fire, Life and Ann . . 

Life and Survivorship 

Marine 

Burg'y, Fid.,Safe Dep 

Sick, Ace., E. L. ft Fid 

Marine 

Accident 

Ufe 

Marine 

Plate Glass 

Ufe, Ann., Endow. 

Ind. Life and Sick . 

Industrial Ufe 

Fire 

Ufe 

Marine 

Plate Glass 

Accident ft Guarantee 

Ins. of Secur. ft S. D 

Marine 

Plate Glass 

Marine 

Fire and Life 

Industrial Fire 

Fire Reinsurance 

Lite and Annuities. . . 

Ufe 

Industrial Ufe ft Sick 



Name of Maaager and Secretary. 



Indus. Life ft Acc'dt. 

Ufe 

Marine 



Baron Profumo, Man. 

H. B. Winckle. Sec. 

H. B. Brain, See. 

H. B. Brain, Sec. 

John E. Gwyer, Sec. 

John Francis. See. 

T. Dewey ft W. Hughes, Mans. 

J. K. Rnmford, Man. 

W. D. Mass^ ft A. Viui, Sees. 

H. L. Jones, Sec. 

W. Proctor, Man. 

E. Clifton Griffiti), Sec. 

T. W. Dixon, Sec 

J. M. Bendel, Sec. 

John Lord, Man. Dir. 

G. S. Crisford, Act. 

J. Williams, Sec. 

J. H. McLaren, Man. 

E. R. Handoock, Sec 

Frank H. Taunton. Sec 

W. H. Hambridge. Sec 

L. J. Myers, Sec 

George G. Bullmore. Sec 

G. C. Whitfield, Sec 

J. G. Phillips. Sec. 

M. L. Martin, Man. 

Robert Muir, Man. 

Thomas Marr, Man. 

J. L. Young, Man. 

John Campbell, Sec. 

Thos. Berne. Sec 

J. Davidson, Man. 

T. B. Sprague, Man. 

T. W. Watfon. Man. 

WUtiam W. Bain, Sec. 

David Paulin, Man. 

W. G. Bloxsom, Man. 

W. J. Walker, Sec 

J. Watson, Man. 

J. A. Robertson. Man. 

Adam K. Rodger, Sec 

A. Duncan. Man. 

Aw. H. TumbuU. Man. 

V^lliam Bares, Sec 

C. W. Milne, Man. Dir. 

Henry Brown, Man. 

G. F. Watt, Sec 

W. S. Paricer, Man. Dir. 

J. H. W. RoUand. See. 

J. Gick, Sec. 

Carswell ft Murray, Mans. 

Henry Gamble Hobson, Sec. 

Wm. Jarratr, Sec 

John Ramsay, Sec. 

E. H. Mannering, Sec. 

H. C. L. Saunders, Act. 

H. Buckland, Sec. 

C. Reeves, Sec 

A. C. Mclntyre. Sec. 

J. A. Stirling, Man. 

Sinclair ft Boyd, Mans. 

Arthur Lucas, Man. 

W. Gow. Sec 

W. G. WiUdns, Man. 

J. Williams, Sec. 

J. N. Lane, Man. 

Walter L. SeyfiBng. Man. 

Thomas Cash, Sec 

J. McCalman. Sec 

Charles Godden, Sec. 

T. R. Watson. Man. Dir. 

Frederick Hendiiks. Sec. 

W. Tozer, Sec. 



ACTUARIAL SOCIETIES OF GREAT BRITAIN. 



105 



DIRECTORY OF COMPANIES IN GREAT BRITAIN —Gmtinued, 



Date of 


Namb akd Location or Company. 


Character of Butiaest. 


Name of Manager and Secretary. 


l835 


Univenity, London. S. W 


Ufe 


H. W. Andras. Sec. 


1860 
1873 

\^ 

^1^ 


Victoria Mutual, London. E. C 

Wakefield Mutual. Wakefield 

Welsh Baptist. Bxynteg. Burry Port. . 
Welsh Calvinistic Methodist. Uverpool 
Wesleyan and General. Birmingfaaiu. . 
Wesleyan Meth'ist Trust. Manchester. 
West Cumberland Agricultural. Ra- 
Tenglass 


Life and Endowment . 

Plate Glass 

Fire (Trust Pro. only) 
Fire (Trust Pro. only) 
Life. Ann. and Sick. . 
Fire (Trust Pro. only) 

Fire and BoOera 

Fire and Ufe 

Plate Glass 


Arthur J. Cook, Sec. 
Abr. Hart. Sec. 
Isaac Phillips. Sec. 
W. J. HugLes. Sec. 
R A. Hunt. Man. 
Henry Plummer. Sec. 

John Thompson. Sec. 
E. H. Smithett. Man. 


1807 


West of England, Exeter 


X890 


West Lancashire.' Wisan 


J. Graham, Sec. 


1886 


West of Scotland, Glasgow 


Fire 


G. McGregor. Sec. 


1880 


West of ScoUand. Glassow 


Plate Glass 


z8qo 


West Suner. GuUdford. 


Plate Glass 


Wm. Emerv. Sec. 
Thomas S. Mortimer. Sec. 


1831 


Western Annuity. Exeter 

Westminster and General. Lon..W.C. 
Westminster. London. W. C 


Annuities 


1836 


Ufe 


E. Woods. Act. 




Fire 


Charles Rouse Brown. Sec. 


'm 


Whittington/ London,' E. C 


Ufe 


W. H. PeriBtt. Man. 


Winstanley & Dist. Fanners. Wijran. . 
YanjgtsseeYof Shanghai), London.E.C. 
York and District, York 


Fire 




]^ 


Marine 


R. BlackweU. Man. 


Plate Glass 


John Hetherton, Man. 


1824 


Ynrinhirv, York . 


Fire and Life 

Steam Bin. EDg..etc. 
Fid. Guar 


J. A. Cunninghame, Sec 
John Waugh. Man. 


1873 


Yc rkshhv. Boiler, Bradford 


x88q 


Yorkshire Guarant<^. Huddersfield . . . 









Actuarial Societies of Great Britain. 

INSTITUTE OF ACTUARIES. 

Founded 1848. Incorporated by Royal Charter 1884. Staple Inn Hall, Holbom. W. C. President, 
Benjamin Newbatt; vice-presidents, Marcus Nathan Adler, M. A.; George Stephen Crisford, Augustus 
Hendriks, Thomas Emley Young, B. A.; treasurer, Henry William Manly; honorary secretaries, Thos. 
Gillespie. C. Browne. Thomas Homans Cooke; auditors. Arthur B. Woods. E. B. Trew. and A. F. M. 
Gamble; assistant secretary. J. Clifford Hopkinson. B. A. 

FACULTY OF ACTUARIES IN SCOTLAND. 

Constituted 1856. Incorporated by Royal Charter 1868. President, Spencer C. Thomson; vioe-presi- 
dent, J. M. McCandlish; council. Hugh Blair. W. R Macdonald, J. J. McLauchlan. Archibald Hewat. 
G. M. Low. Thomas Marr. James Soriey. William Evans. WOliam Smith, LL.D.; Thomas Wallace. N. 
B. Gunn. Gordon Douglas; also ex-cfido, the president, vice-president, hon. secretary and hon. treasurer, 
honorary secretary, David Deuchar; honorary treasurer. J. Tumbull Smith; secretary, George C. Sten- 
house. 9 St. Andrew square, Edinburgh; librarian, George Cameron. 

THE ACTUARIES' CLUB. 

Established November 4, 1848. Meetings, first Monday of each month, at the offices of the members 
ot the dub, in rotation. The chairman at each meedng is the actuary of the company in whoae office the 
meebng is hdd. The chib is limited to twenty members, exclusive ol those re-elected on their retirement 
from the active duties of their profession. 

THE LIFE OFFICES' ASSOCIATION. 

Established March x8, 1889. Object— The advancement of the business and the protection of the 
interests of lifie insurance, soferas can be secured by consultation and combined action upon questions 
appertaining to the interesU common to hfe insurance companies. The association is open to companies 
having then* head offices in Great Britain or Ireland, and making returns under the life insurance compa- 
nies' acts. The association has regular fixed dates lor meetmgs throughout Uie year, and is in practical 
working order. Chairman, Benjamin Newbatt. . 

ROYAL STATISTICAL SOCIETY. 

9 Adelphi terrace. Strand. W. C, London. Honorary president. His Royal Highness the Prince of 
Wales. K. G. Council and officers. 1890^1— Honorary vice-presidents (having filled the office of presi- 



106 ACTUARIAL SOCIETIES OF GREAT BRITAIN. 



dent), the RigbC Hon. tbe Earl of Derby, K. G., D. C. L.; James Heywood. Esq., M. A.. F. R. S., D. L., 
J. P., etc.; the Right Hon. George Sbaw-Lefevre, M. P.; the Right Hon. Lord Braasey, K. C. B.; th& 
Right Hon. Sir James Caird, K. C. B., F. R. S.; Robert Giflen, Esq.. LL.D.; Sir Rnwson W. Rawson^ 
K. C. M. G., C.B.; the Right Hon. O. J. Goschen, M. P.; T. Graham Balfour, Esq., M. D.. F. R. S.» 
F. R. C. P., etc.: president. Frederick John Mount, M. D.. LL.D., F. R. C. S.; Tice-presidents, Alfred 
Edmund Bateman, Esq.; Professor F. Y. Edgeworth, M. A.. D. C. L.; Wm. Ogle. Esq.. M. A., M. D.^ 
F. R. C. P.; R. Price-WiUiams, Esq.. M. Inst. C. £.; trustees, Jas. Heywood, Esq., M. A.. F. R. S., 
F. G. S.; the Right Hon. Sir John Lubbock. Bart., M. P., F. R. S.; the Right Hon. Sir James Caird, 
K. C. B.. F. R. S.; treasurer. Richard Biddulph Martin, Esq.. M. A. 

ACTUARIAL SOCIETY OF EDINBURGH. 

Honorary president, Aw. H. Tumbull; vice-presidents, W. G. Walton, J. J. M'Langhlan; committee 
of management, Robert Murrie, James WiUde, Jr.; N. B. Gunn, Robert Stilling; treasurer, John NicoU; 
secretary, W. Smith Nichol, 64 Princes street, Edinburgh. 

INSURANCE AND ACTUARIAL SOCIETY OF GLASGOW. 

Object8~(i.) The promotion of the study of the principles of fire and life insurance, and of insurance 
against other contingencies. (2.) The consideration of all subjects to which the doctrine of probabilities 
may be applied, as well as the best methods of collecting and applying statistics. (3.) The oonsideraticm 
of questions bearing on social science or political economy ; and (4.) Ttie formation of a library of profes- 
sional works for the use of the members. President, D. Stewart; vice-presidents, F. F. Elderton. man. 
ager; W. W. W. Reid, T. Wilkinson Watson, manager; treasurer. Thomas Watson, X14 West George 
street; secretary, Wm. Coutts Fyfe, 24 St. Vincent place, Glasgow. 

BIRMINGHAM INSURANCE INSTITUTE. 

25 Bennett's HiU, Birmingham. Objects— (i.) The reading of papers and delivering of lectures by 
members, or experts who are not members, upon subjects connected with insurance business generally, 
(a.) The discussion of all questions relating to such business. (3.) The promotion of social intercourse 
amongst members of the profession in Birmingham and district. Ordinary general meetings are held on 
the last Friday in each month, from October to March, both inclusive. The annual general meeting is 
held at the beginning of each session. President. Griffith J. Lloyd ; vice-presidents, J. Headon Boocock 
and Wm. Purser; treasurer, R. Dolphin Paull ; hon. secretary, J. Headon Boocock. 

INSURANCE INSTITUTE OF MANCHESTER. 

xoo King street, Manchester. President, D. R. Paterson; vice-presidents, R. A. Kennedy. G. J. John- 
son and M. Irving; hon. secretary and treasurer. Thomas A. Bentley. 

INSURANCE ASSOCIATION OF MANCHESTER. 

24 Booth street. Manchester. Objects— To encourage the delivery of essays and lectures and subjects 
connected with insurance, and discussion thereon ; of organizing visits of inspection, and of promoting sodal 
intercourse amongst those connected with insurance companies. President, C. F. Brennan; vice-presi- 
dents, T. A. Bentley, Sydney Jewsbury, G. J. Johnson, J. B. Moffat, Henry Plummer. C. Povah; hon. 
treasurer, J. W. Ford; hon. secretary, J. Harcourt Wilson. 

INSURANCE INSTITUTE OF YORKSHIRE. 

Leeds. President, J. B. Tennaot; vice-presidents. J. F. Mackillop. P. Munio, T. S. Riley; hon. 
treasurer. J. Watson; hon. secretary, Edward Bagshaw. 

INSURANCE INSTITUTE OF IRELAND. 

Dublin. Objects— (x.) The promotion of the study of the principles of fire and life insurance, and of 
insurance against other contingencies. (2.) I'he oonsideration of all subjects to which the doctrine of 
probabilities may be applied, as well as the best methods of collecting and applying statistics. (3) An 
organization for any purpose necessary for the requirements of the profession, (4.) The promotion of a 
good understanding amongst the members of the insurance profession in Ireland. President, Alexander 
D. Kennedy; vice-presidents, John Antonio. E. Tenison Collins. William Coote. Harold Engelbach, 
F. I. A; T. Goodwillie. J. S. Kincaid, Bernard H. O'Reilly. Joseph E. Purser, J. P.; S. G. Robinson; 
hon. secretary and treasurer, C. £. Howell, LL.B.. 66 Upper Sackville street. Dublin. 



NEW COMPANIES OF GREAT BRITAIN. 



107 



New Insurance Associations in Great Britain. 

REGISTERED BETWEEN IST JANUARY AND 3ZST DECEMBER, 1890. 



Tmji or CoMPAKY. 



I Tnist Corpoimtkni . 
British Indoniiitj. 



Burglary.. 



Capita] Guarantee Aeency. 
Derby Mntnal Plate Glass . 
Eastern Coimtief 



Equitable Fire and Accident. 
Fine Art 



Globe Accident... 
Guinea Accident . 
Label PdUcy 



Lancashire Trust and Mortgage. 
Leicester ft Midland Counties P. G. 
Licenses Insurance Corporadon and 

Guarantee Fund 

Local GoTemment Mut. Guarantee . 



London Window Glass 

Manchester Glass 

Mutual Association of Underwnt'rs. 



Mutual Steamship Frdgbt 

North Eastern Pbte Glass 

Northumberland Coal Owners Mu- 
tual Protection 



Shipping Interest., 



Objects. 



Southport Plate Glass and General . . 
TravfJers Accident 



Trustees and Bankers Securities. . 

Trustees and Securities Corporation 

of London and Chicago 

United States Trust and Guarantee. 



West Coast Steamship 

West Lancashire Plate Glass., 

British Combination , 

Caledonian Plate Glass , 



Fidelity and Guarantee. . . 

Accident ft Empl. Uabil., 
Fidelity, Guaran. and 
Utc Stock 

Theft, Robbery and Bur- 
glary 

Guar.. Dvr. and Interest.. 

Plate Glass 

Fire, Robbery. Live Stock 
and Guarantee 

Fire, Accident, Guarantee. 
Employers' Liability.. 

Insurance of Works of 
Art against Fire, Acci- 
dent and Robbery 

Accident and Guarantee. 

Accident 

Accident Insurance and to 

buy a patent 

Financial Guarantee, Etc. 
Glass 



To Ins. Publican's Lie, 

Fidelity Guar, ft Ins. of 
Principal and Interest. 

Glass 

Glass 

All kinds of Business, ex- 
cept Life Insurance. 

Freights of Steamships. . . 

Plate Glass 



National Assurance of Scotland. . 
North British Boiler and Machinery 
British and Irish Marine 



Date. 



Nomiiial Capital. 



March 4 

Nov. ay 

Feb. 4 
March 90 
Nov. 19 

June 6 

Dec. iz 



July 25 
July 10 

Nov. Z9 



Oct. z6 
April zi 
Dec. 90 

Nov. 91 

Oct 9 
May 30 
Dec. z 

Sept. 99 
Feb. 97 
March zy 



Ins. agst. llab. on death or 
injury of employees. . . 

Mut. Ins. agst. losses b; 
strikes anadisputeswiti 
workmen, sailors and 
others 

Fire and Plate Glass.. . 

Sickness, Accident, Fire 
and all kinds 

Fidelity Guarantee and 
Leasehold Insurance. . . 

Financial Guarantee 

Guarantee, Principal ad- 
vanced and Interest. . . . 
Ins. of Iron Steamships . . 

Plate Glass 

Accident, Fire. Sickness. . 
P|ate Glass 



Nov. 

Oct. 

Dec. 
Nov, 



All kinds except Life. 

Boiler Insurance 

Marine 



i Nov. 90 < 

Feb. 6 

April Z4 

^ Feb. 6 j 

Feb. 94 
Sept. 3 
July 9 
Sept. 93 

April 9 
Sept. 6 
Dec. Z9 



jf zos.ooo in jf zo Shares 

Guar, of £1 per member 

/zoo.000 in /zoo Shares 
7250,000 in 7zo Shares 
2I500 in £1 Snares 

;£'zoo.ooo in £s Shares 

;^5oo,ooo in £s Shares 



2^ 



[250,000 in /zo Shares 
zoo,ooo in 75 Shares 
zo,ooo in /zo Shares 
'950 in j£'z Shares 

^,000 in £1 Shares 
rz,ooo,ooo in /zo Shares 
^z.ooo in ;fzo Shares 

jf 950,000 in ;f 10 Shares 

/[5o,ooo in £$ Shares 
7|2,ooo in ^ Shares 
^5,ooo in £1 Shares 

Guar, of /zo per member 
Unlimited— without cap. 
;f 9,000 in £1 Shares 

Unlimited— without cap. 

Guarantee of 3s. per ton 
steamships, and zs. pes 
ton sailing vessels 

[9,000 in £1 Shares 
180 in /5 Shares 
in ;fz shares 

;f 3,000 in £1 Shares 

/zoo in £1 Shares 
4700.000 in £s Shares 
^00 in £x Shares 
unlimited— without cap. 
;f z.ooo in £s Shares 
^50,000 in ^z Shares 
;^ao,ooo in £$ Share!l» 

/[zoo.ooo in £a Shares 
275,000 in £1 Shares 
2zoo,ooo in ;f zo Shares 



The time to obtain insurance is when one is in sound health. How many men neglect to 
uke this precaution, and awake to their full sense of their procrastination when it is too late. 
Now is the time to insure, in the flush of strength and the pride of manhood. Humanity, jus* 
tice and common sense require that a man should think about the future of those dependent 
upon him, and 00 manly man conld bear to think of his family being deprived after his death 
of the comforts to which they were accustomed in his life-time. It was a pertinent remark 
vrhich T. DeWitt Talmage recently made : It is meanly selfish for you to be so absorbed in the 
heaven to which you are going that you forget what is to become of your wife and childrei> 
after yon are dead. 



108 



DOUBTFUL COMPANIES OF GREAT BRITAIN. 



Companies of Uncertain Address or of Doubtful 

Existence. 

With respect to the companies mentioned in the following list thensaal inqniries have been 
made, bat no farther information respecting them is forthcoming than that giren below. The 
particnlars obtained in the last two columns hsTe, in most instances, been obtained by search 
at the companies' registration office. The law reqnires that every company shall, once a year, 
make a return to the R^strar of Joint Stock Companies ot the shareholders, with a summary 
of the capital ^nd shares. It wUl be obsenred that several of the companies in the list ate con- 
stderably in arrear in this respect, and they are, consequently, liable to penalties for non-com- 
pliance with the law. It is well known that ne^igence to comply with legal requirements gen- 
erally goes hand in hand with want of capital, reckless and fraudulent trading, and extravagance 
in management. It will be well, therefore, for persons invited to transact business with any of 
the following offices, before paying a premium, to make inquiry, and to satisfy themselves that 
such offices are worthy of confidence. —/^^fZ-ATds^mit^ AlmamacJk. 



Dale of 
Otfani- 
xation. 



Namb op Compajiy. 



Chancter of Bariaan. 



Caintal 

Staled 

toW 

Paidap. 



Z884 
x888 

Z889 
Z887 
Z885 
1885 
z888 



J886 
Z884 

Z889 
Z876 
1885 
Z885 
Z889 



1888 
z888 
Z884 
Z887 
Z885 
1889 
Z887 

1885 
1885 
1887 
Z870 



Anchor. 
Argus... 



Army and Navy 

City and Coonties 

City Mercantile 

City of London 

Co-operative Woodworkers.. 

Crown Sheet 



Fire 

Fire. Aoc. and all kinds. 



Fire 

Fire and all kinds 

Fire 

Plate Glass 

Fire and Medical At- 
tendance 

Plate Glass 



Fire. 



Hibernian Plate Glass 

Industrial Accident 

Lancashire Plate Glass 

London and Birmingham. . . 
London and Manchester. . . . 
Marine, Sickness, Accident. 



Medical Aid 

Northwestern 

Notre Dame des Flammes , 

Oldham and District Insurance. 

Property 

Reliance 

Safety Traders 

Scarborough Plate Glass 



Fire 

Accident 

Plate Glass 

Fire, Ace. and all kinds. 

Plate Glass 

Fire 

Plate Glass 



Fire 

Fire 

Fire 

Fire and Accident. 

Fire 

Fire 

Mutual 



Traders and General 

United Kingdom 

Workmans Tools 

Yorkshire Provident Lite. 



Fire 

Fire and General Ace. 
Fire 



;fS7 



mil 



4a8 

H 

a 

70 
z,489 



az 
mil 

7 



406 
a*05o 



No return since Jan. 3, 1885. 
Co. registered by Baefaall, 

Wood & Co. 
Statutory return is in arrear. 
Last return Mardi as, z888. 
Last return March j^ z886. 
J. M. Allison. Director. 

No return sinoe inoorponU'a 
jf 400 « 'Considered" paid--a 

public house job— E. C. 

knowles. Sec. . 
Last return June 30, z886. 
Last return April 93, Z887. 

T. T. Manden, Sec 
Last rtturn Sept. z, z886. 
No return filed. 
Is capital bogus? 
No documeets filed since 
registradon, July Z5, Z889. 
Last return to May Z4, z88o. 
Return filed April 27, z888. 
No documents filed. 
Last return OcL. Z884. 

Last return Dec 3Z. Z885. 

No documents filed since 

incorporadon. 
Last return Jan. az. z886. 
No return since Oct. 7, z886. 
No documents filed. 
W. E. Clegg. Sec 



Foreign Life Companies Doing Business in 
Great Britain. 



Esub- 
lidied. 


TrrLa. 


Head Oifioe at 


Objects. 


British Manager 
or Agent. 


z8S9 


Equitable Ufe (of U.S.).... 

Mutual (of New York) 

Mutual Reserve Fund 

New York 


New York 

New York 

New York 

New York 

Paris 


Ufe and Annuity. 
Life 


A. MunUttrick. Jr. 
P. C Hald^nnan 


Uie 

Life and Annuity . 
Ufe ... 


E. D. Jones 
J Fisher Smith 


Phenix , 


A. T.and T.De Lacouperie 











LIFE INSURANCE IN GREAT BRITAIN. 



109 



Life Insurance in Great Britain. 

COMPARATIVK STATEMENT, SHOWING THE TRANSACTIONS OF 1884 AND 1889. 

[Compiled from The Post-Magazioe Almanack for 1891.] 



Namb or Company. 



Abstainers aod General . 

ADianoe 

Argus 

Atlas 

British Empire Mutual.. 

British Equitable 

Briton Liie 

Briton Medical and General 

Caledcmian 

Churdi of England 

City of Glasgow 

Clergy M utual 

Clerical Medical and Gen. 

Colonial Mutual 

Commercial Union 

CoK>pefntiTe. 

Crown ..•...••••.....•••« 

Custoau. 

Eagl 

Economic 

Edinburgh .••....••.•••.. 

English and Scottish Law. 

Equitable Society 

Equitable (United States). 

Equity and Law 

Friends Pkovideat 

General 

Gofcmmentor Poat-Offioe 

Gresbam 

(juaTuum. •.•.•■•..••... 

Hand-in-Hand.... 

ImperiaL... •• .. 

Itinemm Methodist Preach- 
ers Annu^. . - 



Year 

of 

Report. 



X890 



AMumnoe 
Written. 



£46.6^ 

S4.W0 

387.44s 

444.a34 



331.695 
714.903 
A40,ooo 
4x7.667 
214.853 

T. 

301.1x9 
417.90X 



110,132 

338.a73 

334.090 

348.975 

a9a.9X5 

370.370 

401,746 

1,151,864 

X.89S.563 

35a.a76 

43X,9X6 

a.350 

S.400 

4«.5Sa 



a86.88o 
"90,439 
304.819 
M3.485 
539.859 
548. xoa 

3x1.359 
434.893 
401,100 
ao4.3oa 



437.8;5 

907.070 
Z68.750 
390.108 

4«H.343 
34.768 

9,Z36.890 
z.619,946 
3X4.XS9 
44a.6i3 
243,615 
203,97a 

225,930 

"54.599 



Net 

Premiums 
Received. 



jf 3.357 



148.384 

X47.58X 

2.X05.484 

4.893,0x2 



xa4.SSo 

X40,78o 

X2,o34 

IS. 108 

567.4x5 
oox,s63 
179,118 
186,497 
X5o,428 

xo9,8o7 
11.601 
xo,6ii 



Other 
Income. 



;fx,457 
5.789 



78.509 



38.847 






395.a"6 
108,6x5 



CUinu, Fn- 
dowmenta. 
Surrender! 
and Annu- 
ities Paid. 



X3X,288 
162,206 
44.584 
41.779 
303.74a 
a9^.a5x 
306.536 
3x4,820 
X90,03X 
185.838 

xo7,3a3 
.X17.XXS 

279,349 

axx,x39 
X.XI0.939 
2,143,572 

100,368 

XI6,0QI 

XX4.387 

106,782 
8x,oi8 
96.8XX 

153.25 
309,670 
5x7,901 
459.506 
26x,3x6 
X5.935 
X31.573 
107,900 

99.X69 
18,233 



Other 
Out^. 



X5a.S87 
I77.63X 

3S,SXO 

57.835 
83.647 
94,x63 

?5.793 
36,790 

X.093 



Atturance 

Funds, Ex- 

dusire of 

Paid-up 

Capital. 



jf3.54a 

17.X78 

1,5x4.700 

X. 017. 689 

346.063 

i.47i5',52i 
1.45^,066 
1,028.2x6 
x,4o8.29Z 
961, 33X 
x.344,462 
3X,x8o 
38.17a 



^i 



x8^ -- 

774.861 

978.87a 

691,269 

669.09X 

X.509.163 

x.657.263 

3,966,824 

3.583.899 

a.634.593 

a.890.675 

47X.353 

'M 

1.183.X86 
103 

2,359 
1.524.247 

1,743.824 

603.517 
2,806,077 
2.6x4,427 

3.581.544 
3.513. x8d 
x.962,x30 
2.348,to 
x,266,x8o 
x.539.700 
4,a57.6i3 
4.398.644 
13,057,670 
aa,237.966 
2,002,653 

2.010,798 

795.937 

1.044.730 



3.549.588 
4.x5i.a5a 
a.2|8,865 

a.461.377 
8.134.565 

a.437.a57 

1.049.347 

1.430.961 

380.640 



* Traasfeired to Marine and General. t Diiooatinued. 



110 



LIFE INSURANCE IN GREAT BRITAIN. 



LIFE INSURANCE IN GREAT BKlTAlN^QmtinusJ. 



Namx op Comfant. 




Lancashire.. ,. 

Law Life...., 

Law Property. 

Law Union... 

Legal and General, 

Ufe Association ofScodand 

LiTerp'l & London & Globe 

London Amicable. 

London AnnuiCy 

London Assarance 

Lond. , Edinbn'h & Glasg'w 

London and Lancashire. 

London Life, 

Marine and General. 

Metropolitan, 

Midland Coonties! 

Mntnal 

Matual (of New York). 

Mntnal Reserve Fnnd. 

National of Ireland 

National Guardian 

National Life. 



* DiMontiniMd. tCMMdto«adtt. t Not pobliihed. I Tnasfexred lo AUianee. 



UrE INSURANCE IN GREAT BRITAIN. 



Ill 



LIFE INSURANCE IN GREAT BKIT AIN—CpfUinwd. 



NaMB or COMPAMY. 



PmdeBtial , 

Queen 

Refuge 

Relianee Mutnal 

Rock 

Royal 

Royal Exchange 

Royal Fanners 

Sceptre 

Scottish Amicable 

Scottish Economic 

Scottish Equitable 

Scottish Imperial 

Scottish Life 

Scottish Metropolitan... 

Scottish Provident 

Scottish Provincial 

Scottish Temperance. . . 
Scottish Union & National. 
Scottish Widows Ftmd. . . 

Sovereign 

Standard 

Star 

Sun 

Union 

United Kent 

Unit Kingd. Temperance 

Universal 

University 

Victoria Mutual.. 

West of England. 

Western Counties of Lond. 
Westminster ft General. 

Whittington 

Yorkshire 



Ymt 

ol 
Report. 



Z884 
Z889 
1884 
Z889 
1888 
Z889 
1884 

Z884 
1880 
Z884 
Z889 
Z885 
Z890 
z88s 
Z887 
Z884 
Z889 
Z884 
Z889 
z886 
z888 
z88s 
Z890 
Z884 
Z889 
Z885 
z8oo 
Z8I4 
Z889 
Z884 
z88q 
Z885 
Z889 
Z884 
Z889 
Z884 
1889 
Z884 
Z889 
Z884 
z888 
Z884 
Z889 
Z884 
Z889 
Z885 

Z884 
Z889 
Z885 
i8qo 
Z884 
Z889 
X884 
Z889 
Z884 



Z884 
Z889 
z88s 
Z889 
Z884 
Z889 
Z885 
Z889 
Z885 
Z890 



4.433.B34 
372,777 

199.990 

2^,650 
3x3. Z9Z 
388,0x3 
130.865 
3".77o 



AntitanM 
Wtittea. 



3x9.333 

z69,zoo 
133.475 
498.205 
448,063 
135.080 



007,007 

166.535 
335.479 

Z3a,Z33 

154.433 

Z84.007 
z8a,749 

I.OZ5.Z55 

z.oa5,z79 

280.310 

z83,6zz 

97,375 

Z76.S09 

535.058 

494.475 

z,Z58,6oa 

i,38j.739 

\\\ 
z,Z9(5.427 
z.379.002 
§33.475 
863.41S 
547.916 
938.692 
383,375 
739.034 

55.300 

73.000 
622,707 
620,04Z 
«40,a94 
320,075 

79.370 
108.475 



178.933 

"|:^4 

134,339 
140.035 
170,356 
z6a,a73 

ill 



Net 
Premittms 
Received. 



jf338.868 

904.916 

75.895 

75.139 

13.794 

3Z,750 

8z,898 

84.2ZZ 

"9.734 

Z30,387 

250, z6: 



Z30.318 

136.564 

6.341 

S.471 

53.731 

54.357 
198.3'^S 
305,093 

4.595 

7.07-1 

347.508 

375.356 

47.129 

54.129 

iz,46o 

37.I3Z 

20.515 

34386 

436.440 

496,osz 



43.749 
^37.948 



48!z4b 
48.971 
40.565 
44.654 



Other 
Inoome. 



Claims, En- 
dowments, 
Surrenders 
and Annu- 
ities Paid. 



Z2^.Z23 

46.307 



jfiaa.Z9Z 

368,75z 

42,36z 

49.747 

4.303 

5.599 

^753 

76.539 

z66,937 

Z6Z.767 

232.096 

249.537 

333.735 

173.488 

14.486 

IO.S77 

17.143 

33,352 

197.795 

311. 634 

390 

I1I9I 

351.89s 

37.903 
1,079 
8,559 
7.990 

10,852 
3ZO.288 

363.45s 
Z04.086 

141.314 
z.ooo 

355.880 
333639 
607.940 

73z,2ZO 

83,706 

46,733 

634.206 

S49.438 

147.899 

340.504 

153.398 

151.779 

80.0Z9 

93.776 

38.933 

25.900 

Z72,4oz 

315.931 

77.900 

73.940 

71.005 

61.665 

3.461 

4.183 

X19.630 

Z07.2Z5 

7.977 

6.2Z9 

40.595 
44.470 
96,247 

^^ 

53.336 



Other 
Outgo. 



;f 34.024 
90,491 
13.513 
14. iw 
1.380 
3.17Z 
Z7,588 
i6p79I 

1481587 

ZZ3,902 

Z96.864 

z6,5Z9 

20.065 

1,057 

9Z3 

90,970 
Z7.Z88 

35.376 

34.558 

1.793 

8.2^2 
33.487 
45.491 

zo.zaz 
16.754 
3.313 
3.313 
9,679 
zo,6zo 

43.385 
49,791 

30,2Z3 
37.4^ 
3.358 
7.435 
71.350 
56,767 
73,458 

zzo,788 

3!298 
119.434 
137.150 
154.916 

314.539 
40.127 

17.698 
31.037 
zo.z^ 
10,884 

35.867 

96.848 
98,074 

9.557 
9.375 

'M 

3^.198 

14.109 

3,570 

z,6z7 

zo,'867 
z6,79Z 
15.078 
6,540 
14.113 



Assurance 
Funds, £x- 

clusiTe of 
Paidnip 
Capital. 



jfz,az2.7Z5 

3,580,832 

503,842 

696.454 
z8,83i 

33,494 
600,250 

716,139 
z,86z.420 
z,720.zz5 
3.058.767 
3,473,104 
3,073.756 
3.131.455 

110,093 
99.604 

223,634 

37S,8oz 

2.478,8z6 

2.96z,8zz 

4.077 

• 3.099 
9.89Z.Z74 
3.188,^99 

z87,893 

983.879 
39.063 

133,393 
48.485 

6,958.468 

z,366,896 

1.543.070 

3.188 

56.944 

3.546,596 

3.977.154 

8.569.373 

zo,3z8,84o 

531.108 

^ 431.355 
6.073, 69Z 

6.995,037 

9,202,5ZS 
2,764.848 
1.705 63Z 
1.986.274 

X,os5 688 
1,338,737 

pig 

3.00A.389 

4.676,879 

991.413 

Z.035,Z20 

985.777 
984. 3ZO 

33,364 

51.113 

934.008 
854.349 
49.185 
67.501 
463,493 
492.371 

i2Z,8z7 

'77.593 
570.699 

597.735 



• DiKOBtiaaed. t Transferred to Alliance. % Transferred to Sun Life. | Transferred to British Empire 

Mutual. II Not published. 



112 



BRITISH INDUSTRIAL INSURANCE. 



Industrial Life Insurance in Great Britain. 

Synopsis of tho Revenno Accounts of the Industrial Life Insurance Companies and 
Friendly Societies receiving contributions by collectors transacting business in the United 
Kingdom for the years 1884-85-86-87-88-89-90. 

Comparative statement for two years compiled from the Post-Magazine Almanack. 

Note. — ^The Associations to which the letters F. S. are not appended are Companies 
either originially incorporated under the Joint Stock Companies' Act, 1863, or since registered 
thereunder as Limited Liabilitj Companies, with the exception of the Wesleyan and General, 
which is the only Mutual Company transacting the business of Industrial Life Insurance. 



Namb of Company. 



Aberdeen and Northern F. S 

Amalgamated Society of Engineers F.S. 

Ancient BenefitF. S 

Berkshire F.S 

Birmingham United Legal F. S 

Birmingham Workmens F. S 

Blackburn Philanthropic Burial F. S. . . 

Blackburn Philanthropic Mutual F. S.. 

Blue Ribbon 

British Legal 

British Workmana 

Bridsh Workmans F.S 

Chorley Family Funeral F. S 

City of Glasgow F. S 

Combination F. S 

County Co-operative F. S 

East Lancashire Peoples F. S 

English Industrial F. S 

Foresters Quiver F. S 

Gee Cross Funeral F. S 

Globe Sick BenefitF. S 

Guernsey Permanent F. 8 

Halifax Royal F. S 

HydeFunendF. S 

Indus. Band of Hope F. S 

Industrial of Great Britain 

Lancaster Benevolent F. S 

Leeds and General F. S 

Leicester Sick Benefit F. S 

Liverpool and County F. S 

Liverixx>l, Manchester & Birmingham.. 

Liverpool Protecdve F. S 



Year 
ending 



Z885 
1889 
1885 
1889 
1885 
Z886 
1885 
1888 
1886 
1889 
z886 
1889 
Z885 
1889 
1885 
1889 
Z884 
Z889 
Z884 
Z889 
Z884 
1890 
Z885 
Z889 
z886 
Z889 
Z885 
Z889 
Z885 
Z889 
Z885 
z886 
Z887 
Z889 
Z885 
Z887 
z8Q5 
Z889 
Z885 
Z885 
Z889 
Z887 
Z889 
Z887 
z888 
z886 
z888 
Z885 
Z889 
1885 
Z889 
Z885 
z886 
z886 
Z887 
Z885 
Z889 



Policies 
Issued. 



3,8aa 
3,6zo 

77 

342 

78 

IS 

85 

349 

33Z 
4.ZO6 

3.32s 
7.083 

13.836 
778 



174.57s 
«7Z,6a7 

^97 
SOS 



".839 

Z3.ZZ4 

80 

as 

sz 

8.Z32 

4.IZ8 

I3.9fia 



34 
7S7 
IS6 

I 

zzo 

Z3a 

Z.848 

4.757 



".927 
1S.146 



Preminms 
Received. 



;fS.az7 
5.739 

151 
6a8 

Z.486 

z,36i 
z.azz 

az.aio 

t^ 

S.45X 

7.323 
31.242 
44.520 
zz8,oi7 

243.889 

704 

590 

1.279 

z,a36 

Z9.oa8 

"•'^ 

3SO 

52 

2,723 

3.6ao 

X.368 

6 

Z98 

1.643 

X.419 

347 

1,300 

X.283 

70s 

735 

1.349 

^% 



3,a6o 
S.2SS 

ZZO 

IS. 8d. 

z6,zoz 
15.853 



Claims 
Paid. 



jC2,48z 
2,9SS 

'"iSa 

6 

397 

z,038 
978 
571 



».4g 
J.576 



Z.436 

14.009 

19.203 

45.474 

zz3,7oa 

451 
1.179 
Z.Z07 

339 
239 

1.S07 

334 



5.8^ 



9.40a 
8.512 



Fund, &Kta- 
live of Paid* 
up CapitaL 



* Included in ordioaiy businei 



BRITISH INDUSTRIAL INSURANCE. 



113 



INDUSTRIAL LIFE INSURANCE IN GREAT BRIT Al^— Continwd, 



Namb op Company. 



Liverpool United Legal F. S 

Liyerpool Victoria Legal F. S 

London, Edinburgh and Glasgow 

London and Manchester 

London and Universal F. S 

Lojral Philanthropic F. S 

Methodist and General 

Monthly 

Mntual Provident Alliance F. S 

North of England F. S 

North MeoU Rechabite F. S 

One Premium F. S 

Pearl 

Peoples Family F. S 

Peoples Universal F. S 

PrindpaUty F. S 

Prominent Siclc Benefit F. S 

Prudential 

RechaUte Temperance F. S 

Refuge 

Royal CountiesF. S 

Royal Dockyards F. S 

Royal Liver F. S 

Royal London F. S 

Scottish Celtic F. S 

Scottish ClexksF. S 

Scottish Legal F. S 

Star Benefit F. S 

Stirlingshire F. S 

United Brothers 

Unit. Kingdom Assurance Corporation. 

United Reform F. S 

United Superannuadon F. S 

Universal Insurance Loan and Invest. . 
Wesleyan and General 

Yorkshire Provident 



Year 

ending 



1886 
1889 
X884 
1889 
Z884 
1889 
1884 
1890 
1886 
1888 
1885 
Z889 
1884 
Z889 
1886 
1887 
1884 
Z889 
1885 
1885 
1886 
1888 
1884 
1890 
1886 
x88q 
Z884 
1889 
1889 
1885 
1889 
1884 
1889 
1886 
1889 
1884 
1889 
1885 
1888 
1886 
Z887 
1883 
Z889 
Z884 
Z889 
1887 
1889 
Z889 
Z885 
1889 
z888 
Z889 
Z885 

Z887 
Z889 
Z884 
Z887 
Z890 
1888 

'S? 

Z889 

Z884 
Z889 
Z884 

z888 



Policiei 
iMued. 



4.354 

a.484 

404,060 

333.548 

71.807 

247.348 

70,497 

93.ISS 

S.134 

4.ai4 

0,070 

5.773 



a.490 

039 

11.103 

60 

Z04 

a75.567 

370.85Z 

z,8oz 

8z9 



3.zoa 
393 
137 

134 



335 
"9 



1.6x5 

'•^ 

91 
173.953 
825.038 



oa,z5a 
8Z9 

373 
53.390 
65.159 

418 
67 
49 



6a.45S 
104.794 

zaz 



Premiumf 
Received. 



104,797 
6.309 



Claims 
Paid. 



6,921 

5.533 

125.556 

163.351 

1.673 

69079 

2Z,490 

34.884 

9.533 

9.071 

217 

344 

654 

1,278 

10,00a 

8,455 

479 

9 



47.006 

112,571 

4.976 

3.475 

1.350 

1.375 

5 

35 

S3 

1.003,273 

1.385.409 

33 

91 

95.517 

317.579 

74 

574 



z87.6ai 

az9,232 

53.590 

77.411 

34 

100 

31s 

51.731 

55.596 

1.337 

1,466 

159 

256 

1.167 
14.363 
19.009 

3,344 

Z,68Z 

53.37a 

89.304 

317 

1.933 



Infturance 
Fund, exclu- 
sive of Paid- 
up Capital. 



14.114 

14.304 

401,020 

633.443 

3.649 

35.496 

13,890 

33.196 



35.879 

43,577 

1,330 

975 

68.337 

51.189 

1.174 

19 



87.034 
337.330 

4.'662 

5.128 

3.564 

IS 

37 

^^ 
3.376,535 
7,Z49,207 

826 

65.436 

SZZ.708 

82a 

1,746 

90 

796.364 
x.066,^5 

3461963 



103 

197.691 
352,825 

5.3i» 
5.395 
3.335 
3,54^ 
157 



X9.079 
30,029 

9.769 
341 
541 
zzo 

18Z.977 

az6,zz9 
753 
433 



I.-8 



lU 



ACCIDENT INSURANCE IN GREAT BRITAIN. 



NaMB or COMFAMY. 



Accident 

Blackburn Plate Glass 

Blue Ribbon 

Boiler and Steam Power 

Bradford Plate Glass 

Bridsh and Irish Plate Glass 

British United Guarantee 

Builders Accident 

Co-operative 

County Hail Storm 

Crown Accident 

Darlington Plate Glass 

Economic Plate Glass 

Edinburgh Employers 

Employers Liability Assur. Corp... 
Employers Liab. & Workpeoples... 

Employers of Great Britain 

Engine, Boiler ft Employers Liab. . 
Equitable Guarantee ft Accident. . . 

General Accident of Dublin 

General Accident of Perth 

Haliiax Plate Glass 

Health 

Horse 

Huddersfield Eniployers 

Hull ft Eastern Co. s Plate Gl^s . . 

Imperial Union Aoadenc 

Insurers Plate Glass 

Ipswich Mutual Plate Glass 

Isle of Wight Plate Glass 

Lancashire and Yorkshire 

Law Guarantee 

Leeds and North of England 

Liverpool Mortgage 

London Amicable 

London, Edinburgh and Glaseow. . 
London, Guarantee and Accic^nt . . 
London ft North British Plate Glass 
Lond. ft Prov. Horse ft Carnage 

Manchester Steam Users 

Mercantile Accident ft Guarantee 

Mortgage 

Mutual Accident Association 

Mutual Plate Glass 

National Guarantee 

Newport (Mon.) Plate Glass. 

Nortnem Accident 

Northern Plate Glass 

North of Scodand Fishing Boat. . 
Norwidi and London Accident. . . 
Nottingham Plate Glass ft Boiler. 
Ocean and General Guarantee. . . 
Ocean, Railvray ft Gen'l. Accident. 
Ocean Accident and Guarantee .... 

Provident Clerks AcddenL 

Provident Clerks Guarantee 

Provident Plate Glass 

Railway Passengers 

St. Albans Plate Glass 

Scottish Accident 

Scottish Alliance 

Scottish Assurance 

Scottish Boiler 

Scottish Economic 

Scottish Employers 

Scottish Ufe 

Scottish Metropolitan 

Scottish Plate Glass 

Scottish Temperance 

Sickness and Accident 

Standard Accident 

Ulster Plate Glass 

Universal Insurance I..oan ft Invest. 

Wakefield Mutual Plate Glass 

Yorkshire Boiler 

Yorkshire Guarantee 



Year 

ending 



889 
889 
889 
889 
889 
889 
890 



887 

800 

886 
885 
889 
889 



889 
889 
890 
889 
886 

1^ 
890 

890 

890 



889 
889 
889 
889 
889 
889 



890 



is 

Is 

:887 
:888 
888 

889 



889 



890 



889 
889 
889 
:889 



^ 



Net 



4S.490 

1 

63,168 

381 

Z.088 

60 

'■^ 

249 

".835 
6.645 

3.885 
19,940 

4.98s 
11.941 

1,178 

34.337 

138 

"61 

3a.66a 

9.919 

Z3.503 

1.460 

1.059 

10.590 

47.887 

5.269 

3.79a 

t.tt^ 

39,007 

17.474 

A73 

8,838 

30,406 

2,6X0 

i.5a7 

69.408 

396 

6.858 

11,185 
37.490 

36 

47.9*5 
a.353 
3.364 

11,341 

X.974 
3.414 

16.104 
3.371 

It 

t 7,183 



BxpBNDrruRB. 



Net 

CUimi. 
Paid. 



21.483 
73 

•Si>',a86 
107 



730 
1,399 
3.303 



9.947 
153,136 

• X9.570 
4.92s 

\% 

617 

2Z,8i5 

92 

1^ 

33,309 

387 

S.058 



658 

S.389 
31.510 

MS 

99 
4.520 



3,408 
z6 

3X,OI9 

SI 

38.814 
•337 

3.154 
5.599 

1;S 
".314 

14X.6X3 

19 
30170 

?S 

•9.47s 

X.48S 

20.558 

2.3x3 

4.8» 
x,378 
8.4SI 
X.114 
291 
II 

• ^ 
•4.019 



EzpenMS 
of Manage- 
ment. 



18.489 

.1 

""si 
301 

3,16^ 

399 
1,014 

5.239 
107 

108,118 
3.97^ 



J.974 

».358 



3.528 
X.907 
6,324 
71 
5.377 
4.392 

31 
46 

34 
11,073 

6,'4o8 
796 
470 

3.059 

2,096 
X.169 

xo,333 
4.2^5 

15.033 

8,031 
343 

3.X85 

34 

^S 

S7X 
20,941 

"3^855 
X4,643 

3;^ 
6.496 

S4.2p 

9 
X9.729 

X.474 

X2!36o 

2.967 

x,5So 

3.66* 

1.019 

7.837 

3.339 

403 

37 

24 

2,540 



Accident 

Fund 
exclutiTe 
of Share- 
holden' 
Capital. 



29.715 
X43 

"*io7 



16,577 

2,740 

146 

4.644 
X4X.152 
i,^ 
3.6& 
3.263 
7,001 
2,318 

"■;i8 



3.326 
727 

11,650 

IX 

23.705 
6.149 
X.X77 



xo8.( 



28.957 

'i'.777 

6.71a 

x,o6o 

20,907 

X2.1S4 

1,833 
4.344 
1.758 

987 
10 

157 
3.374 
3.59X 



Percentan to Pre- 
mium lacome. 



Of Claims 
Paid. 



^ 



494 

96.1 

179-6 
38.0 
54.0 

898 
81.3 
50.3 
34.1 

38.0 

57-2 
52.7 

73.1 

13.0 
55-5 

t| 

49-4 
38.7 
52.4 
SI. 7 

i.3 

47 9 

36.8 
68.0 

3-9 
40.4 

<5^z 
5x2 
45.x 
S9-7 
30.7 
i.o 
5x0 
15.1 

%\ 

97.8 
31.9 
69.1 
56.8 
55.7 

^2 
52.5 
47.x 

^\ 

g:x 
52.7 
69.9 

X6.S 

tsll 

75-2 
56.9 
40.6 
9a9 

52-4 
490 
39X 
190 
63.0 
t83.9 



LIFE INSURANCE IN EUROPE. 



116 



German Life Insurance Companies. 



Ecub- 
Itthcd. 



Namb AMD Location or Compamy. 



Insuranco 
in Force. 



Pmniums 
Received. 



-CUiou 
Paid. 



Funds 

other than 

Shaxe 

CajMtaL 



l86x 
x88x 

X869 

1836 
1836 



1853 

1868 
Z878 
1844 
1857 
1866 
xfSS 
1857 

J885 
1899 

?^ 

1872 
1830 
1837 
1854 
1874 
1852 

i^ 

1881 

Z865 

187s 
187Z 
Z856 
1855 
187s 
1873 
1841 
1852 
1853 
1873 

X873 
1853 



Allgemeine Renten-Anstalt, Stuttgart. . . . 

AlBatia. Strassburg 

Atiopas, Leipzig 

Badische Militajr. Kailsnihe 

Bayerische Bank. Munchen 

Berlinische, Berlin 

Braunschweigische, Braunschweig 

Bremer Lebent V. Bank, Bxemen 

Concordia. Koehi 

Deutsche Lebens V. B.. Lubeck 

Deutsche L. P. & R. V. G., Potsdam 

Deutsche Militairdienst, Hannover 

Frankfurter. Frankhirt-on-M 

Frankfurter Ruck. Frankfurt-on-M 

Friedrich-Wilhelm, Berlin 

Gegenseitigkeit. Leipzig 

Gennania. Stettin 

Grosse V. Ster. (Burial Society) GoerliU. 

Hancovera, Hannover 

Hannoversche. Hannover 

Iduna. H4lle-on-S 

Janus. Hamburg 

L. V. f. d. Aimee and Marine, Berlin. . . . 

Lebensversicher Ges. Z. L.. Leipzig 

Lebens. Vers. Bk. f. D.. Gotha 

Lebensversich. and Erspar., Stuttgart... 
Magdeburger Allg. V. u.. Magdeburg . . 

Magdeburger L. V. G.. Magdeburg 

Mecklenbure Leb.V. & Spar Bk.,Schwerin 

Nordstem, Berlin 

Do. Arbeiter (Indust. Insur.). Berlin 

Numberger L. V. Bank. Nurnberg 

Preusstsche L. V. A. Gesellsch.. Berlin.. 
Prenssiscber Beamten-Verein, Hannover. 

Ptometheus. Berlin 

Providentia, Frankhirt-on*M 

Renten-aad L. V. A.. Darmstadt 

Saecbs. Militaer L. V. V.. Dresden 

Schlesische L. V. A. Ges., Brealau 

Saechs. Renten V. Anstalt, Dresden 

Teutonia, Leipzig 

Thuringia, Etturt 

Vaterlandische, Elberfeld 

Vesta. Posen 

Victoria, Berlin 



Marks, 
48.793.a46 



1.190.565 

z,8zi,9;o 

53,962,031 

134.456.859 

4.797.333 

40,968.738 

177.003,118 

144.089.593 

68,643,212 

J35.103.6S5 
48,819,870 



1:» 

384.856.011 

44.5*8,435 

5.633.958 

49.4".954 

80.937.674 

77,344.365 

18.050,600 

315.365.050 

567.053.700 

298,333958 

50,210.397 

xoo.914,735 

36.6x5,300 

88.499.073 
6,736.090 

197.567.171 

76,867,303 

68,163.110 

4.438.398 

3.441.893 
a9.479.583 

13.413.a44 
108.463,367 

83.963.a71 

45.a85,7o6 

ii.3a5 616 

154.a69.35a 



Marks, 
x,4a6.56i 

'"39.937 

.74.893 

x,9id,X93 

'i69.'987 
x.456,633 
6,106,455 
4.504.367 
a.195.917 
7.130.698 
1.513.198 

133.863 

a.7S8.845 

ai5.977 

14.731.463 

X.a53.943 

355.358 

3.030,707 

3.001.863 

3,442.589 

480,223 

11,^74,112 

ao,348.357 

10,498.344 

1.894.414 

3.307,644 

1.479.438 

3.37i.a66 

598,108 

500,359 

a.o68.77X 
370.758 

103,34a 

993.564 

671,044 

3,476,135 

3,106,641 

1.70S.443 

373.a4a 

6,466.624 



Marks. 
866.997 

" i'9.39S 

18,543 

495.393 

3,323, XI9 

137,660 

343.383 

4.774.238 

3.137.337 
x.i8i,84Z 

370.373 
1.005.60A 

357.718 
X, 371 ,988 
^134.765 
6,367.944 

510.419 

1.172,551 
1.549.796 
1.573,617 

193.711 
6,604.399 

10.737.353 
3,606,139 

504.343 

1,833,614 

4x9,097 

1.395,944 
340.5ZS 
136,506 
993.146 
741.358 

78,663 
803.347 
152,232 

45.830 
359.843 

1.439.587 

1.776.586 

501,786 

161,866 

1,516.856 



Marks. 
4.548.379 

439.563 

9.000 

13,110,336 

43.994.131 

1,751,35s 

6.577.443 
52,215.3x3 
37.770.855 
10,997.641 
35.938,386 
Z2.734.108 

1,900,309 
io.94i.S4S 

1.590.333 
101,977.941 

4.333.81a 
789.666 

9.050,077 
31.533.431 
32,424,270 

6,309,330 

77.497.319 

159,566,005 

74,893.687 

xo.zo7.A35 

30.zo3,837 

8.480.289 

z6.440,649 

z.293.673 

597.773 

13,285,336 

14.075.17S 

860.437 

379,350 

4.375.324 

14.677.330 

18.373.340 

30.43Z,zi4 

8,o8o.6z3 

1,176.391 

33.497.300 



Dutch Life Insurance Companies. 



Estab. 



Namb and Location or Company. 



1873 Dordrecht, Dordrecht.. 

1868 Kosmos, Zeist. 

z88a I. Neerlandaise, La Haye. 

z8^ DeNationale. Rotterdam. 

Netherland Life, Amsterdam . 

x88o Soc. Generale, Amsterdam. 

Z883 Utrecht, Utrecht. 



Insurance 
in Force. 



Florins. 

8.434.339 
35.^.404 

5,672.602 
13.888,507 



az,o66,330 
3a,Z74.909 



Premiums 
Received. 




Claims 
Paid. 



FioHns. 

93,^3 
515.034 

30.157 
338,395 
280, Z67 

358,383 
194.947 



Funds 

other than 

Share 

Capital. 



Florins. 

479.36a 
4.359.65a 

403,303 
4.530,465 
a.z67,Z33 

3.499.517 
z,958.694 



116 



LIFE INSURANCE IN EUROPE. 



Roumanian Life Insurance Companies. 


E*Ub- 
lished. 


Namb and Location op Company. 


Inturance 
Received. 


Premiums 
Received. 


Claims 
Paid. 


Funda 
other tham 

Share 
Capical. 


x88x 


Dada- Romania, Bukarest 


LH. 


Let. 


Lei, 


Ln. 

4.369.453^ 
3.209.991 


x88a 


Nationalat Bukarest 


23.908,811 


38.903 















Russian Life Insurance Companies. 



Estab- 
lished. 



Namb and Location op Company. 



Insurance 
Received. 



Premiums 
Received. 



Claims 
Paid. 



Funda 

other than 

Share 

CapitaL 



1872 
1868 
1881 
183s 



Jakor, Moscow 

St. Petersburger F. and L., St. Petersburg 

Rossija, St. Petersburg 

Russisdie Cap. and Renten, SL Petersb'g 



Rubles. 

6,800,000 
90,071.271 
60,259,289 
SS.351.063 



RubUt. 

I91.S93 

663.562 

2,041,031 

i,88x,S79 



Ruiles. 

79,616 

331.130 

338,987 

983.444 



Ruhla. 
667.989 

8,327.911 



Scandinavian Life Insurance Companies. 



Estab- 



Namb and Location op Company. 



Insurance 
Received. 



Premiums 
Received. 



Claims 
Paid. 



Funds - 
other than 

Share 
CapitaL 



1872 
1884 
1861 
1874 
1871 
X855 



1872 
1882 



Hafnia, Kopenhagen . . . . 

Hygea. Bergen 

Idun, Cbristiania 

Kaleva. Helsingfbrs 

Nordsftjeman. Stockholm 

Skandia. Stockholm 

Skane, Malmoe 

Svea, Gothenburg 

Thule, Stockholm 

Victoria, Stockholm 



Xtoiuu. 
29,692,^74 

3.4SS.8S7 
18.650,000 
29.948.883 
61,708,302 
46.737.702 

37.565.076 
13.9a3.519 



JCfOMeM. 

x,i9i.i35 
902.365 
841,190 
930.239 

2,008,601 

X.S54.39S 
S91.1" 

x.447,623 

1.350.484 
S09.716 



X87.6XO 

4.000 

139.754 

6021346 
8x4.331 

620,655 

202.201 

84.835 



A><M#IS, 

5.387.86s 

^M.a57 
6,564.000 
5.^.540 
x,o6o,ooo 
X3,4Xo.7xi 
1.206.204 

1.745.169 



• 


Spanish Life Insurance 


Companies. 




Estab. 
lashed. 


NAMa and Location op Company. ^ 


Insuianoe 
Received. 


Premiums 
Received. 


aaims 
Paid. 


Funds 
otbwthaa 

Share 
Capital. 


1864 


Union and Phenfz Espagnol, Madrid 


F^auet. 
5.887.493 


474.890 


Rrmmcg. 
a^.S4« 


Rrmmct. 
8.595.986 



LIFE INSURANCE IN EUROPE. 



IIY 



French Life Insurance Companies. 



Eatab. 

Lshed. 



1877 
1873 
X819 
1858 
1850 

187s 
1880 
1880 
188X 
1864 
1830 
z88o 
1877 
1877 
1844 
x88i 
1881 
Z873 
1878 
xSao 
1865 



Namx and Location op Company. 



AbeiUe, Paris 

Aigle, Paris 

Assurances Genera1es» Paris 

Caisse Gen. des families, Paris. 

Caisse Pateraelle. Paris 

Confiance. Paris 

FoDciere. Paris 

France, Paris 

Metropole, Paris* 

Monde, Paris 

Nationale, Paris 

Noid, Paris 

Quest, Parist 

Patrimoine. Paris 

Phenix, Paris 

Progres National, Paris ; 

Providence, Paris 

SoleU, Paris 

Temps, Parish 

Union, Paris 

Urbaine, Paris 



Insurance 
in Force. 



Francs, 
73.958.363 
63,317.577 
788.349.710 
142,962.255 
85,727,864 
59.777,894 
93.576,097 
76,370,323 



71.996,150 

597.910.300 

ai.989.a34 



96,665.968 
S07.895.419 



64,903,996 
85.79»,309 



941,659.489 
233,908.698 



Premiunu 
Received. 



Francs. 

9,869,86< 

9.304,098 

29,098.551 
5.359.50a 
S.075.407 
9.01^.^95 
9,560,049 
3,994,919 

9,469.564 

19.788,443 

817.908 

1,350,199 
90,097,316 

9,490.847 
3.005.695 

8.933.380 
9,008,060 



Claims 
Paid. 



Francs. 
895.130 
768,930 

10,770,519 
1,094,871 

1.355,039 
630.935 

723.319 
832,039 

"1,015.3^1 

II. 705.091 

191,019 

"388.099 
13.047.810 

"'558.53? 
1,090,146 

3»S69.677 
3,476,594 



Funds 

other than 

Share 

Capital. 



Francs. 

12.137,546 
397,933.006 

27.689.999 
33.318.998 

7,999,594 
15.307.663 

95.i508.495 

974,849,418 

9,973,819 



159*586,596 

10,946,977 
18,854,000 



S3.532.689 



* Business reinsured with >4^tJZr. t Not accepting new business. ): In liquidation. Business rein- 

sured with the Catsst PattmelU. | In liquidation. Business reinsured with the Ouest. 



Australasian Life Insurance Companies. 



Estab- 



Z848 

^|g 

z866 
1868 
1869 
Z870 
1869 
Z870 

1873 
1876 
1887 



Namb and Location of Company. 



Australian Mutual Provident. Sydney 

Victoria Life and General, Melooume .... 

Australian Alliance, Melbourne 

Adelaide Ufe, Adelaide e 

Mutual Life of Australasia, Sydney 

Nat. Mut. Life of Australasia, Melbourne. 
Mutual Assurance of Victoria, Melbourne. 
New Zealand Government Life, Wellington 

Australian Widows Fund, Melbourne 

Colonial Mutual, Melbourne 

Australian Temp, and Gen., Melbourne* . 
Citizens, Sydney t 



Insurance 
in Force. 



3.^,4 



3.679.450 
71.589 

340.235 
1.043,274 
427.774 
781.255 
654.819 
1.895,563 
307.957 
f65.595 



Premiums 
Received. 



37.925 

^1.596 

67.992 

ao7,734 

128,240 

209,734 

164.437 

273.419 

43.064 

70,863 



Claims 
Paid. 



727 

6,513 

24,087 

3.100 

22,475 
69,967 

46.195 

» 

74,099 

4.968 



Funds - 

other than 

Share 

Capital 



8,9ll,6a2 
220,592 
217,583 

3!'3S5 

728,782 

1,012,957 

588.535 
1,582,418 

799,789 

1.050,573 

95.610 

53,820 



* Ordinary branch only. t Industrial company. X Number of policies issued. 



Italian Life Insurance Companies. 



£«ub- 
Hahed. 



Z826 
i860 
1880 



Namb and Location op Company. 



Comp. d'Assicurazione, Milano 

Comb. Reale, Milano 

Fonaiaria, Florence 

Soc. de Naples, Naples 



Insurance 
in Force. 



Lires. 
425,191 
55.218,793 
66,543.069 

4.332.775 



Premiums 
Received. 



Lirts, 



3,404,279 
84,271 



Claims 
Paid. 



Lirts. 



867.829 
10,047 



Funds 

other than 

Share 

Capital. 



Lires. 
8.579.791 



118 



LIFE INSURANCE IN EUROPE. 



Austrian Life Insurance Companies. 



EMUh- 



Naiib ahd Location or Compamt. 



I. AUff. Beamten V.. Wdn 

Anker, Wien 

Aisicur. Qenerali, Triest 

Austria, Wien 

Axiendm. Wien" 

Concordia. Reicfaenbcrj; 

Donau. Wien 

Gisela Verein 

Fondere, Prst 

a anus, Wien 

Krakaner, Krakau 

Oester. Phoenix. Wien 

Praha, Prag 

Riunione Adriatica, Triest 

Slavia. PraK 

Transsylvania, Hermannstadt.. 

I. Ungar. Allg., Budapest 

Unffar.-Franxoisdie. Budapest . 
Wiener. Wien 



ia Fom. 



FUrtns, 
57,049,258 

"3.877.747 

Zz6.9Q4.648 

'9.444.396 



4.3*3.080 
z8,aza.a58 

9.900.909 
x6,^.oz7 

4a.8s7.a9S 
ao,5az.|33 

48.985.870 
5,471.3x0 

S4.a99,9Z^ 

z6,5oo,996 
a.5a7.o6z 

60.a7a.g7 

z6!a69',386 



Praniumt 

RC0«T«d. 



FUHns. 
1.766.205 

4.691.836 
59a,835 

z6a,Qa5 
591.897 
420.945 
7X4.X98 

x,i94.9X7 
647.308 

4,040.126 
X97.78X 

x,779.346 

a.S53.679 
730.to3 
739.960 



Clsimt 
Pfeld. 



FUrins. 
981.857 
805,223 

9,69Z.aQ2 
424.46X 

^,oz8 
385.895 

ZZ.OB8 
SI3.69I 
75X425 
774.088 

X. 093, 766 

383-755 

909.249 

2x3,636 

• S8.59X 

x,258.39Z 
222, X37 
198,535 



Fuadt 

otliertkaB 

Shmsm 

CapitaL 



FUrins. 

Za.398.i94 

a.8o3.936 

;|96'.740 
3,396.442 

4.2^.812 
•.932.786 
4.4fi9.Z3S 
9.244.353 

3.9do,o|5 

9.78o,9Z4 
2.398,3x8 

z8.97D.031 



* Taken over by the Austrian Pkmnix, 



Swiss Life Insurance Companies. 



Ftub- 

lished. 


Namb and Ix>catiom of Company. 


Innirauice 
Received. 


Pfemiumi 
Received. 


Claims 
Paki. 


Funds 

other than 

Shara 

Capitnl. 


Z864 
Z872 
X857 


Baloise. Bael 


F^xtmcs. 
zoa.328.933 


Francs, 
3.874.940 

'2.5/5,842 
652,950 
599.223 


Francs, 

X.508.133 
543.6Z4 
334.353 


Francs. 
34,ooz.484 


Genfer. Geneva 


Sch weizer. Renten, Zurich 


73.950.529 
20.497.703 
z8,5i3,a44 


26.552.506 
6,943.744 
3.730,807 


La Suisse. Lausanne. 


Schwetserische Ruck, Zurich 





Reader, have you established a home and voluntarily made others your dependents ? If so 
the earnings of your brain and bands— your life — is their capital. You have entered into a 
solemn compact with them and with society at large to care for their /w/wrv as well as their /r^ 
sent welfare, to prevent their ever becoming a burden either to themselves or the world's charily. 
Hope, cheer and comfort are their portion to-day, but how unstable, how fleeting, may be the 
bright picture that your home circle now presents, unless yon have had recourse to the only sure 
means of perpetuating it. Has your application been written, and a policy containing the 
pledges and bearing the seal of a great corporation been delivered to you ? Is it there in the 
safe or yonder in the drawer along with your other most cherished effects ? If not, a most im- 
portant duty has been neglected, you have unwisely— yea, wickedly — permitted your loved ones 
to bear a risk which should have been placed on broader shoulders. The policy of fire insurance 
covering only z possible contingency is there, while provision for a far greater contingency, a 
certain calamity, has not been made. But two buildings in a hundred ever bum, yet all men die. 
There are five chances of your djring within a year to one of your bouses or other buildings 
burning. Besides, houses, stores or goods are not to be compared in monetary value to your 
life, to what you daily produce. The man who builds may live to build again, but your death 
without insurance can mean only absolute and irreparable loss to both family and estate. 



STATE OFFICIALS. 



119 



State Officials Having Authority in Insurance 

Matters. 

(Corrected to Jume x, 1891 .) 



Statb. 



Arixona... 

Arkansas.. 
California. 



Coloiado , 

Connecticat. ......... 

Delaware 

Diatnct of Columbia. 



Florida . 
Georgia. 
Idaho .. 
Illinois. . 



Indiana 

Iowa 

Kansas 

Keutncky 

Louisiana. .... 

B^ne 

Maryland , 

Massachusetts. 



. Michigan . . 
Minnesota . 
Mississippi. 
Missouzi... 



Montana 

Nebraska 

Nevada , 

New Hampshire. 

New Jersey 

New Mexico 

New York 

North Carolina.. 



North Dakota. 

Ohio 

Oklahoma. ... 
Oregon 



Pennsylvania.... 
Rhode Island... 
South Carolina. 
South Dakota... 



Tennessee . 

Texas 

Utah 

Vermont. . . 



^^ginia 

Washington... 
West V&ginia. 
Wisconsin.... 
Wyoming 



OFPtcsas. 



Cyras D. Hogue . . 
John Y.S.Smith.. 
W. S. Dunlop .... 
J.N. E.Wilson... 

John M. Henderson 

O. R. Fyler 

Isaac N. Fooks.. 
Matthew Trimble . . 



F.J. Pons 

W. A. Wright... 
Frank R. Coffio . 
C. W. Pavey.... 



J. O. Henderson. 

Jas. A. Lyons 

W. H. McBride... 
H. F. Duncan...., 



Simeon Toby 

J. O.Smith 

J. F. C. Talbott.... 
Geo. S.Merrill .... 

Wm. E. MagiU.... 

C.H.Smith 

W.W.Stone 

C. P. EUerbe 



£. A. Kenney 

T. H. Benton.... 

R. L. Horton 

John C. Linehan. 

G. B. M. Hanrey. 
Trinidad Alarid. . 
James F. Pierce.. 
Ocuvius Coke . . . 



Addrbss. 



Montgomery. . . 

Presoott 

Little Rock.... 
San Francisco. 



A. L. Carey 

W. H. Kinder 

Robert Martin .... 
Geo. W. McBride.. 



George B. Luper. .. 

E. W! fiucklin 

W. H. Ellerbe.... 
L. C.Taylor , 



M. F. House. 
L. L. Foster. . 



Elijah SelU 

C.W. Brownell, Jr. 

Henry F. Field 



Morton Marye... 

Allen Weir 

P. F. Dufiy 

Wilbur M. Root. 
C. W. Burdick. . 



Denver. 

Hartford 

Georgetown. 
Washington 

Tallahassee.. 

Atlanta 

BeiseCitv... 
Springfield.., 



Indianapolis. . 
Des Moines... 

Topeka 

Frankfort 



New Orleans. 

Augusta , 

Baltimore.... 
Boston 



Lansing..., 
St. Paul.... 
Jackson..., 
St. Louis.., 



Helena. 

Lincoln 

Carson City. 
Concord 



Trenton.. 
Santa Fe. 
Alban^ 
Raldi 



ny.. 
Igh. 



Bismarck . . 
Columbus. 
Guthrie. . . 
Salem 



Harrisburgh. 
Providence ., 
Columbia . . . 
Pienc 



NashviUe 

Austin 

Salt Lake City.. 

Burlington 

Rutland 



Richmond . 

Olympia 

Charleston. 
Madison..., 
Cheyenne .. 



Title. 



Auditor of State. 
Territorial Secretary. 
Auditor of State. 
Insurance Commissioner. 

Superintendent of Ins. 
Insurance Commissioner. 
Insurance Commissioner. 
Assessor. 

State Treasurer. 
Insurance Commissioner. 
State Treasurer. 
Auditor of Public Accounts. 

Auditor of State. 
Auditor of Stat«. 
Superintendent of Ins. 
Insurance Commissioner. 

Asst Secretary of State. 
Insurance Commissioner. 
Insurance Commissioner. 
Commissioner of Insurance. 

Commissioner of Ins. 
Insurance Commissioner. 
Auditor of Public Accounts. 
Superintendent of Ins. 

State Auditor. 

Auditor of Public Aocoimts. 
Stale Comptroller. 
Insurance Commissioner. 

Insurance Commissioner. 
Territorial Auditor. 
Superintendent of Ins. 
Secretary of State. 

Commissioner of Ins. 
Superintendent of Ins. 
Secretary of Territory. 
Secretary of State. 

Insurance Commissioner. 
Insurance Commissioner. 
Comptroller Gen. of State. 
Auditor of State. 

Commissioner of Ins. 
Insurance Commissioner. 
Secretary of Territory. 
Secretary of State. 
Treasurer. 

Auditor of Public Accounts. 
Sec. of State and Ins. Co. 
State Auditor. 

Commissioner of Insurance. 
Insurance Commissioner. 



Canada. 



Dominion of Canaia. . 
Province of Ontario... 



Wm. Fitigcrald 

Dr. J. H. Hunter.. 




Superintendent of Ins. 
Inspector of Insurance. 



120 



LIFE INSURANCE STATISTICS— CALIFORNIA. 



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LIFE INSURANCE STATISTICS — CONNECTICUT. 121 



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122 



LIFE INSURANCE STATISTICS— IOWA. 



5< 



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LIFE INSURANCE STATISTICS— KENTUCKY. 



123 



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124 



LIFE INSURANCE STATISTICS — MASSACHUSETTS. 



la 
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LIFE INSURANCE STATISTICS — MICHIGAN. 



126 



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126 



LIFE INSURANCE STATISTICS — MISSOURI. 












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UFE INSURANCE STATISTICS — NEW JERSEY. 



1557 






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128 



LIFE INSURANCE STATISTICS — NEW YORK. 



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LIFE INSURANCE STATISTICS — NEW YORK. 



129 






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180 



LIFE INSURANCE STATISTICS— OHIO. 






II 

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LIFE INSURANCE STATISTICS— PENNSYLVANIA. 



181 



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LIFE INSURANCE STATISTICS — ^WISCONSIN. 



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STATISTICS OF LIFE INSURANCE FOR THIRTY YEARS. 



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PAYMENTS TO LIFE POUCYHOLDERS IN TWENTY YEARS. 



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PAYMENTS TO LIFE POLICYHOLDERS IN TWENTY YEARS. 



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FINANCIAL STAKDUC OF TTNITED STATES LIFE COMPANIES. 



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LIFE INSURANCE FOR TWENTY-THREE YEARS. 



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ANALYSIS OF ASSETS OF LII^ INSURANCE COMPANIES. 



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Retired American Life Insurance Companies. 



When 

Reti^. ^^■'" ^' CoMPAMY. 

Alabama Gold Life, Mobile; A. P. Bash, 

Mobile, roceiTer. 

i^TT—Alliance Mutual, Leavenworth; capital, 
$xoo,ooo; retired. 

Z890— American, Philadelphia; capital. $500,000; 
in hands of receiver. 

187^— American Mutual, New Haven ; reinsured in 
American Life and Trust. 

1868—American Mutual, Selma. Ala.; failed. 

1875— -American National Life and Trust, New 
Haven; capital, $100,000; Talcott H. 
Russell, receiver ; balance on hand Jan. z, 
1888, $2481. 

1877— American Popular, New York ; capital, $384,- 
500 ; E. C. Lawrence, New York, receiver. 

Z871— American Tontine, New York ; reinsured in 
Empire Mutual; Nathaniel Jarvls, New 
York, receiver. 

x873~Amicable, New York ; capital, $130,000 ; re- 
insured in Guardian Mutual. 

i87a~Anchor, Jersey Citv; capital, $130,000; failed. 

i873--Asbury, New York; capital, $z8o.ooo; An- 
drew V. Stout, New York, receiver. 

1877— Atlantic Mutual, Albany ; capital, $zzo,ooo ; 
Edward Newoomb, Albany, receiver. 

z87»— Atlas, St. Louis; reinsured in St Louis 
Mutual; Edward Newcorob, Albany, re- 
ceiver. 

Z877-— Baldmore, Maryland ; reinsured in Equitable. 

X870— Ben Franklin, New York ; reinsured in United 
States. 

Z873— California Mutual, San Frandsoo ; reinsured 
in Republic 

Z873— Carolina, Memphis ; reinsured in Southern 
Life, Memphis. 

Z869 — Central Life and Accident, Newark; re- 
insured in New York Life. 

z886— Charter Oak, Hartford; capital, $900,000; 
Isaac W. Brooks, Edmund A. Stevens, 
Hartford, receiver. 

1877 — Chicago, Chicago ; in hands of receiver. 

1864— Chicago Muttial, Chicago; reinsured in 
Union Mutual. 

Z87Z — Cincinnati Mutual, Cincinnati ; reinsured in 
Union Central. 

1876— Columbia, St. Louis; in hands of Superin- 
tendent of Insurance; twlance on nand 
Jan. z, z888, ^ 



insuran 

8. $9635. 
ilth. New 



1873— Commonwealth, Sew York; capital, $z86,- 
500; Thomas S. Moore, New York, re- 
ceiver. 

z887-<^ontinenta], Hartford ; in hands of receiver ; 
capital, $300,000. 

Z876— Continental, New York; capital, $zoo,oGb; 
receiver discharged. 

Cotton States, Macon, Ga.; retired. 

z87a— Craftsmens, St. Louis; reinsured in Hope 
Mutual; Francis W. Worth. New YoSc, 
appointed receiver at suit of judgment cred- 
itors; capital, $900,000. 

Z850— Crescent Mutual, New Orleans ; fiailed. 

Z873— Delaware Mutual, Wilmington ; reinsured in 
National Ufe of the U.S. 

Z87Z— De Soto. St. Louis ; reinsured in Republic. 

z868— Diamond State Mutual, Wilinin|rton; dis- 
solved by mutual consent of pobcyholders. 

Z869— Eagle, Chicago; reinsured in Great Western 
of Chicago. 

Z853— Eagle Ufe and Health, Jersey City; retnsued 
in KnidLerbocker. 



SSi^d. N^« <>' COMFAKV. 

Z873— Eclectic,New York; capital,$z5o,ooo; receiver 
discharged. 

z 873— Economical, Providence; reinsured in Re- 
public ; caipital, $zoo,oooi 

Z869— Empire Mutual, Chicago; reinsured fat Inler- 
national. 

l879~Empire Mutual, New York; capital, $100,000; 
reinsured in Continental, New York; A. £. 
Hepburn, receiver. 

z872— Empire State, Watertown ; capital, $100,000; 
reinsured in Life Association. 

Equality, Richmond. 

z859-^Equitable Life and Trust, Philadelpliia; re- 
insured in ^tna. 

Z873— Excelsior, New York; capital, $1^,000; re- 
insured in National Life of the U. S. 

Z87Z— Farmers and Medianics, New Ycnic ; capital, 
$zoo,ooo; James H. Coleman, New York, 
receiver. 

z88i»— Franldin. Indianapolis ; retired. 

1870— Georgia Mutual, Macon; reinsured in Cotton 
States. 

1874— Government Security, New York; capital, 
$zooooo; Henry* K. Pierson, Albany, re- 
ceiver. 

Z879 — Globe Mutual, New York ; capital, $zoo,ooo; 
Alden S. Swan. Brooklyn, receiver. 

1870 — Great Western, Chicago ; reinsured in Re- 
public. 

z870~Great Western, NewYorlc; capital, $zoOkaoo; 
receiver discharged. 

Z865 — Greenborough Mutual, Greenboroogh; feOed. 

z873~Guardian Mutual, New York; capital, $zoo,- 
000 ; Henry R. Emerson, Albany, receiver. 

z872— Hahneman, Cleveland; capital, $000,000; 
reinsured in Republic. 

Z875— Hand-in-Hand, Philadelphia ; wound up. 

z873r^Hercules, Philadelphia; capital, $X5o,50o; 
failed ; John H. Kitchen, receiver. 

z88o— Homestead Bank and Life, Pittsbtu-gh; feiled. 

Homestead, Cincinnati ; capital, $ioo,ooow 

Z890— Homestead Building and Loan, Indianapolis; 
retired. 

1887— Homoeopathic Mutual, New York; capital, 
impaired; ceased doing business. 

Z872— Hope Mutual, New York ; capital, $9Z5,5oo; 

*' ll; Jan 



reinsured in New Jersey Mutoal; 
W. Husted, Peekskill, referee. 

1859— Hope Mutual, Stamford ; felled. 

1856— Howard, New York; reinsured in United 
SUtes. 

Z887— Industrial, Mobile ; retired. 

Z887— Industrial Life and Accident, Baltimore; re- 
tired. 

Z873— International, Chicago; reinsured In Uni- 
versal. * 

Z879 — International, Jersey City; capital, $166^235 ; 
reinsured in United States. 

z88o— lovra Mutual, Cedar Rapids ; retired. 

Z878— Iron City, PitUburgfa. 

z856^efterson, Cincinnati ; reinsured in Ohio Life 
and Trust. 

Z856— Kentucky Mutual, Covington ; fened. 

z87c>— Keystone Mutual, Harrisburgh ; feoled. 

z88»— Knickerbocleer, New York ; capital, $100^000; 
Charles H. Russell, New York, receiver. 

1870— Laboringmaas, Kcwanee; failed. 

Z878— Life Association of America, St. Locdt: in 
hands of Superintendent of Insurance; bal- 
ance on hand Jan. z, 1888, $79,549. 



RETIRED AMERICAN LIFE INSURANCE COMPANIES 



143 



,S_i Namb or CoMrANY. 

1885— Lion, London, retired fiom United States; 

reinsuring in Equitable, N. Y. 
i88x~Loaisiana, New C5rleans ; wound up. 
i860— Masonic Orphans Home, NashWUe; rein- 

sured in NashviUe Ufe. 
1878— Massachusetts Hospital, Boston ; retired. 
Z854— Merchants and Planters. New Orleans; failed. 
x8^ — Merdiants, New York ; reinsured in Globe ; 

Edwin L. Alexander, New York, recdver. 
1875— Minnesota Mutual, St. Paul; reinsured in 

Northwestern Mutual. 
1879— Mississippi VaUey, Louisrille; reinsured in 

St. Louis Mutual. 
X874— Missouri Mutual, St. Louis; reinsured in 

Mound City. 
1879— Missouri Valley, Leavenworth; capital, $zoo,- 

000 ; retired. 
1889— MobUe, Mobile. Ala.; fai Uquidation, 
1875— Mound City, St. Louis ; changed name to 

St. Louis Life. 
1857— Mutual, Baltimore; reinsured in Union Mut 
18)76— Mutual, Chicago ; fiuled. 
Z875— Mutual, Pittsburgh; fidled. 
1853— Mutual Benefit, New Orleans; fiuled. 
187a— Mutual Protection, New York; capital, $zoo,- 

000; reinsured in Reserve. Henry R. Pier- 

sOB» Albany, reorivcr. 
1876— Nashville, Nashville; reinsured in Globe 

MutuaL 
i8s5— NashviUe Mutual Protecdon, Nashville; 

fiuled. 
1874— National, Chicago: tailed. 
1873— National, New York; capital, $150,000; 

Janes W. Husted. Peekskill, receiver. 
1873— National Capital, Washington; Capital,$z50,- 

000; reinsured in Penn Mutual. 
z866— National Ufe and Health, Kalamasoo; failed. 
X853— National Safety and Trust. Philadelphia; 

fiuled. 
1890— National Premium Life Society, New Or- 
leans; in Uquidadon. Chas. Janvier, 

Hquidator. 
1877— New Jersey Mutual, Newark; capital, $100,- 

000, fiuled. 
Z873— New York State, Syracuse; capital, $Z90,ooo, 

reinsured in Guardian Mutual ; Henry R. 

Plerson, Albany, receiver. 
1874— North America, New York ; Henry R. Pier- 
son, Albany, receiver. 
1875— North Amenca, Philadelphia; reinsured In 

Penn Mutual Life. 
1853— North American Mutual Life and Health, 

Philadelpbia ; reinsured in ^tna. 
i86a— North Carolina, Raleigh ; failed. 
i88a — North Carolina State j reinsured in Life In- 
surance Company of Virginia. 
1857— Ohk> Life and Trust. Cincinnati, Ohio; 

felled. 
1879— Peabody, New York; reinsured in Farmers 

and Mechanics. 
1879— Philaddphia, Philadelphia ; retired. 
x86z— Phceaiz, St Louis ; reinsured in New York 

Ufe. 
1880— Piedmont and Arlington, Richmond ; capital, 

1900,000 ; felled. 
1873— Policyholders Life and Tontine, Charleston ; 

reinsured hi Life Association. 



1^1^^ Namb or Company. 

z877~Protecdon, Chicago ; fidled. 

Z867— Provident, Chicago ; rtinsured in Eagle. 

z88o— Provident, Mmneapolis ; retired. 

z868— Provident Fund Life and Trust, New York ; 
capital, $300,000 ; disJblved. 

Z878— Railway Passengers, Hartford; business as- 
sumed by Travelers, Hartford. 

Z875— Rq>ublic, Chicago ; capital, $947,400 ; fiuled. 

z879~Reserve, New York; capital, $Z36,a6o: 
Henry R. Pierson, Albany, receiver. 

Z873— Safety Deposit, Chicago ; reinsured in Mutual 
of Chicaeo. 

Z876— Security Ufe and Annuity, New York; capital 
$zzo,ooo; WiUiam H. Wfekham, receiver. 

185^— Southern Mutual, Athens; reinsured in 
Southern Mutual of Columbus. S. C. 

Z876— Southern. Memphis; felled. 

z868— Southern Mutual, Columbia; felled. 

Z853— Southern Mutual, New Orleans; reinsured 
fai U. S. Life and Trust of Philadelphia. 

Z869— Southern Mutual Life and Trust, Mobile; 
reinsured in New York Life. 

z8s3— Spring Garden, Philadelphia ; reinsured in 
New York Ufe. 

z87Z~Standard, New York ; capital, $Z95,ooo ; re- 
insured In Government Security. 

Z875 — St. Louis Ufe, St. Louis; reinsured in Co- 
lumbia ; aifidrs in hands of Superintendent 
of Insurance. Balance on hand January z, 
z888. $z^. 

Z873— St. Louis Mutual, St. Louis ; capital, $zoo,- 
000 ; reinsured In Mound City. 

Z856— Susquehanna Mutual, Harrisburg; reinsured 
in American of Philadelphia. 

Z876— Teutonia, Chicago; capitu, $xx>,ooo ; felled. 

Z875— Texas Mutual. Galveston ; reinsured in Ala- 
bama Gold Life. 

Z884— Toledo Mut., Toledo ; capital, $zao,ooo ; re- 
tired. 

z85a— Trenton Mutual, Trenton ; fiuled. 

Z840— Union Assurance, New York ; failed. 

z87Z-*United Security, Philadelphia; capital, $zoo,- 
. 000 ; reinsured in Penn Mutual. 

z86a— United States, Lafeyette; fiuled. 

Z85Z— United States Annuity and Life, Hartford; 
fidled. 

z86a— United States Life and Trust, Philadelphia; 
failed. 

Z877— Universal, New York; capital, $900,000; 
Harry M. Wendell, Albany, receiver. 

Z869— Western, Cincinnati; reinsured in Cindnnali 
Mutual. 

Z869— Western Mutual, St. Louis; reinsured In 
Commonwealth. 

z88z~Western New York, Batavia; capital, $za5,- 
000; D. W. Tomllnson, O. C. Parker, 
Batavia, receivers. 

z868— Widows and Orphans, St. Louis; reinsured In 
Life Association. 

Z876— Widows and Orphans Fund, Nashville; fidled. 

z87»— Widows and Orphans Benefit, New York; 
capital, $900,000 ; . Henry R. Pler8on» 
Albany, receiver. 

Z873 — Wilmington, Wilmington; reinsured In Life 
Insurance Company of Virginia. 

1873— World, New York; Siinon Rowmdate, Albany, 
receiver. 



Companies in the Hands of Receivers. 



The following is a list of life insurance companies in the United States in process of wind- 
ing up, with name of receivers or other persons in charge : 



Alabama. 
AlatMuna Gold Ufe. Mobile; *A. P. Bush. Re- 

cdYer. 

Connecticut. 
American Mutual Life, New. Haven; Taloott H. 

Russell, Receiver. 
Continental Lite, Haitford; L. A. Cook and J. 

R. Buck, Receivers. 
Charter Oak Life, Hartford; E. A. Stedman and 

I, W. Brooks, Receivers. 
National Life and Trust, New Haven; Talcott H. 

Russell, Receiver. 

Gbokgia. 
Cotton States Life, Macon; John Peabody, Colum- 
bus, Receiver. 

Illinois. 

Chicago Life, Chicago; George M. Bogue, Re- 
ceiver. 

National Life, Chicago; Kirk Hawes, Assi^ee. 

Protection Life, Chicago; E. D. Cook, Assignee. 

Republic Life, Chicago; Samuel D. Ward, Re- 
ceiver. 

Kansas. 

Missouri Valley Life. Leavenworth; E. B. Allen, 
President 

MiSSOUKI. 

Columbia Life. St. Louis; C. P. EUerbe, Superin- 
tendent of Insurance Department, ex-oJScto Re- 
ceiver. 

Life Association of America, St. Louis; C. P. 
EUerbe, Superintendent Insur&nce Depart- 
ment, ex'officio Receiver. 

St. Louis Mutual Life. St. Louis; C. P. EUerbe, 



Superintendent Insurance Department. Receiver. 

New Jersey. 

New Jersey Mutual Life, Newark; Robert F. Stock- 
ton, Receiver. 

New York. 

Asbury Life, New York; A V. Stout, Receiver. 971 
Broadway (appointed October.7. 1874). 

Guardian Mutual Life, New York; Thomas F. 
Mason, Receiver (appointed February 6. z89e); 
Albany. 

Reserve Mutual Life, New York; Thomas F. 
Mason, Receiver (iq;>pointed February 6, 2890); 
Albany. 

Security Life, New York; W. H. Wickbam. Re- 
ceiver (appointed December 13, 1876), 31 Pine 
street. 

Widows and Orphans Benefit Life; Thomas F. 
Mason. Receiver (appointed February 6. 1890); 
Albany. 

North Carolina. 

North Carolina State Life, Raleigh; A. W. Hay- 
wood. Receiver. 

Pennsylvania. 
American Life, Philadelphia; Real Estate TiUe 
and Trust Company, Receiver. 

Tennessee. 
NashviUe Life, Nashville; W. C. Nelson. Secre- 
tary. 

Canada. 
Gk>be Mutual Ufe. New York. U.S.A.; W. C. 
WeUs, Montreal, Assignee for Canadian 
policyholders. 



Directors and Trustees of Life Companies. 



iETNA, Hartford. Conn.— M. G. Bulkeley. T. O. 
Enders. G. W. Russell. M. D.. W. H. Bulkeley. L. 
Brainard. A. R. Hillyer. S. G. Dunham. 

The company operates in Indiana. Massachu- 
setts, Michigan. Missouri. New Jersey, Tennessee. 
Rhode Idand. Maine, Nebraska. Minnesota, Ore- 

2 on. West Virginia. . South Dakota, New Hamp- 
tiire, California, Iowa, Kentucky, Maryland, Con- 
necticut.' Georgia, Illinois, Kansas. New York, 
Ohio. Pennsylvania, Vermont, Wisconsin, District 
of Columbia, Colorado, North Carolina, South 
Carolina, Virginia, Washington, Utah, Wyoming. 

Bankers Life. Lincoln. Neb.^Hon. N. S. 
Harwood, Hon. John H. Ames, Wm. H. Holcomb, 
Thos. L. Kimball, Hon. John M. Thurston, Hon. 
S. N. Wolbach, C. T. Boggs, Clark Woodman, J. 
E. Houtz, W. R. Kelly, D. W. Cook, F. M. Cook, 
Hon. Albert Watkins. W. A. Lindly. 

The company operates in Nebraska, South Da- 
kota, Utah and Washington. 

Berkshire, Pittsfield, Mass.~John V. Barker, 
Thomas G. Carson, William R. Plunkett, Jabez L. 
Peck, J. N. Dunham, George T. Plunkett, James 
M. Barker. James W. Hull, J. F. A. Adams, 



Byron Weston, Henry W. Taft, Justin Dewey. 

-* imith. Hennr W. Bisb -- " - 

Plunkett, George H. 



Wellington Smith, Henry W. Bishop. S. W. Braj 
Houghton. 



ton, 



Tucker. A. C. 



The company operates in Massachusetts. Con- 
necticut, Rhode Island, New York, New Jersey. 
Pennsylvania. Maryland. District of Colnmbia, 
Ohio. Indiana. Illinois and Michigan. 

Brooklyn. New York.— WHliam M. Cole, ^Vil- 
Ham H. Wallace. Gen. William H. Lyon. Mkrhael 
Chauncy. Arnold A. Lewis. Jacob K. Ohrine, 
Isaac Carhart, Hon. Feli^ Campbell. H. B. Bnm- 
drett, Briton Richardson. Alonso Slots. Charles T. 
Barney. E. W. Mascord. Alexander Forman, Daniel 
BirdsaU, WiUiam H. Poid, WilUam Dutcher. 

The company operates in New York, New Jer- 
sev, Pennsylvania. Maryland. District of Columbia, 
Virginia, Georgia and North Carolina. , 

Commercial Alliance, New York.— Directors: 
John I. HoUy, Josiah Lombard. H. W. O. Edve, 
H. M. Munsell, MarshaU Avers, Norman W. 
Dodge, Joseph Hilton, E. L. Hnch, Geo. A. Bow- 
den, Hubbard W. MitcheU. M. D., Morris H. 
Smith, W. Ausdn Goodman, T. C. Van Brunt. J. 



DIRECTORS AND TRUSTEES OF LIFE COMPANIES. 



145 



H. McCracken, Ed^ar L. Pierson. Associate tnis- 
tpes: Gen. Benj. F. Tracy, Chas. Kendall Adams, 
LLkD., B. Lombard, Jr., Orsan Adams. John Le- 
Boutillier, Henry E. Simmons, Col. E. Delevan 
Woodruff. Jas. L. Lombard, Col. J. S. Byiogton, 
H. G. Uttle, M. D., Chas. W. Dayton, H. M. 
Howe, M. D.. A. D. Cook, Otto Arens, Geo. Mil- 
mine. 

The companv operates in Alabama. Connecticut, 
District or Columbia, Georgia, Illinois, Iowa, 
Maine, Maryland. Michigan, Minnesota, Missouri, 
Nc>braska, New Jersey, New York, North Caro- 
lina. North Dakota, Ohio, Pennsylvania, South 
Carolma, South Dakota. Tennessee, Texas, Utah, 
Washington, West Virginia. 

Connecticut General, Hartford, Conn.~ 
Thomas W. Russell. Robert E. Day, F. V. Hud- 
son. Charles J. Cole, William H. Post, LeTcrrtt 
Brainard, Melancthon Storrs. Franklin Cbamberlin, 
P. H. Woodward, J. B. Talcott. Charles Smith. 

The company operates in the United States gen- 
erally. 

Connecticut Mutual, Hartford, Conn.— 
Henry C. Robinson. Thomas Sisson, Jacob L. 
Greene. Frank W. Cheney, W. B. Franklin, Jas. 
J. Goodwin. Charles M. Beach. E. M. Bunce. John 
M. Taylor, Charles J. Bishop, James J. Smith, W. 
C. Skinrer. 

The company operates in the United States gen- 
erally. 

Covenant Mutual, St. Louis. Mo.— Trustees: 
A. F. Shapleigh. Wilhi^m H. Woodward. Given 
Campbell. Alfred Carr, George H. Shields, E. 
Wilkerson, Hon. Nathan Cole, Marcus A. Wolff, 
Herman Eisenh'irdt, Joseph N. Evans, Frank Car- 
ter, Nelson O. Nelson. J. C. Moore, J. A. Duffy, 
C. C. Rainwater, H. H. Mudd, M. D. 

The company operates only in Missouri. 

Equitable, Des Moines, la.— Trustees : Hoyt 
Sherman, Fred. M. Hubbell. Robert Fullerton, F. 
C. Hubbell, R. T. Wellslager, I. T. Martin, Cyrus 
Kirk, B. F. Kaufiinan, Conrad Youngerman, J. C. 
Cummins. 

The company is authorized to transact business 
in Towa. Illmois, Indiana, Ohio, North and South 
DaJcota, Minnesota, Missouri, Kansas, Nebraska, 
Penns>lvania and Michigan. 

Equitable, New York.- Louis Fitzgerald, 
Henry A. Hu'lbnt, Henry G. Marquand, Wm. A. 
Weelock. Henry Day, M. Hartley. H. M. Alex- 
ander, Chaimcef M. Depew, Charles G. Landon, 
Cornelius M. Bliss, Alanson Travk, E. Boudinot 
Coit. Eugene Kelly, John D. Jones, John Sloane, 
S. Borrowe. B. Williamson, G. W. Carleton, E. 
W. Lambert, H. S. Terbell, Thomas S. Young, 
William M. Bliss, John J. McCook, John A. Stew- 
art. Levi P. Morton, Geo. C. Magoun, Wm. B. 
Kendall, Daniel D. Lord, H. J. Fairchild, Wm. 
Alexander, Horace Porter, C. B. Alexander, Geo. 
Dc F. L. Day, J. F. De Navarro, Joseph T. I-ow, 
Edward W. Scott, Charles S. Smidi, A. Van Ber- 
gen, T. De Witt Cuyler, Oliver Ames, Eustace C. 
Fits, S. H. Phillips. Henry R. Wolcott, Gustav G. 
Pohl, John A. McCall. James H. Dunham, Daniel 
R. Noyes, Waldo Adams. 

The company operates in a^ the States andTerri- 
torl«^ of the united States, and in nearly all the 
civilized countries of the world. 

German Mutual, St. Louis, Mo.— Trustees : 
Louis J. Behrens, F. W. Biebinger, Isidor Bush, 
Julius Conrad, George Gehrke, Philip Gruner, Dr. 
Hui^o Kinner, Aug. Krieckhaus, Hugo Muencb, 
Arthur Olshausen, Theo. Plate, F. W. Sennewald, 
Chris. A. Stifel, Caspar Stolle, C. Th. Uhlmann. 

The company operates in Missouri only. 

Gbrmania, New York.— L. E. Amsinck, H. R. 
Baltzer, Isaac Bernhdmer, Francis Bolting, Ernest 
Bredt, Henry^. Eilshemius.Albrecht Pagenstecber, 



Alfred Roelker, Carl Rose, Hermann Rose. Chas. 
F. Tag, Otto Heinze, Hermann Marcuse, Richard 
Muser, Emil Oelbermann, F. von Bemuth, Otto 
Wesendonck, Hugo Wesendonck, Cornelius Dore- 
mus. 

The company operates throughout the United 
States (excluding the Southern States), Canada and 
Europe. 

Hartfobd Life and Annuity, Hartford, 
Conn.— H. A. Whitman, A. P. Hyde, Julius Con- 
verse, Miles P. Hough, John G. Root, William C. 
Jilson, C. C. Kimball. 

The company operates in all States and Terri- 
tories of the United States, except Kansas, the Gulf 
and extreme Southern States. 

Home, New York.— A. A. Low, J. S. T. Strana- 
han, George C. Ripley, John T. Martin, George A. 
Jarvis, S. E. Howard, Charles A. Townsend. John 
W. Frothingbam, E. Lewis, Jr., William G. Low, 
Thomas H. Messenger, J. Warren Greene, John 
Claflin, Henry E. Pierrepont, Lemuel H. Arnold. 
Jr.. George H. Ripley, Edwin Beers, Thos. T. 
Barr. 

The company operates in Alabama, Arkansas, 
California, Colorado, Connecticut. Georgia, Illinois, 
Indiana, Iowa, Kansas, Ken(ucky, Mame, Massa- 
chusetts, Michigan, Minnesota, Missouri, Nebraska, 
Nevada, New Jersey, New York. Ohio. Oregon, 
Pennsylvania, Rhode Island, South Dakota, Texas, 
Utah, VeTmont, Washington, West Virginia, Wis- 
consin and Tennessee. 

Imperial, Detroit, Mich.— A. C. Bacon, Simon 
J. Murphy, C. A. Newoomb, George S. Davis, T. 
S. Anderson. J. B. Book. A. E. F. White, C. A. 
Gower, R. Mumford, N. G. Williams, H. P. Cristy, 
John S. Gray, Thos. Berry, Hoyt Post. 

The company operates in Michigan, Missouri, 
Ohio, New York, Pennsylvania. Connecticut. Dis- 
trict of Columbia, Minnesota, Kentucky, Georgia, 
Illinois, Maryland, Tennessee, West Virginia, 
Arkansas, South Carolina, Alabama, Texas, Ne- 
braska and Washington. 

John Hancock Mutual, Boston, Mass.— 
Samuel Athei:fon, Georre C. Lord. James F. C. 
Hyde, Samuel Wells. Thomas F. Temple, Daniel 
Needham, Franklin Haven, Jr.. John Carr. Albert 
H. Higgins, Stephen H. Rhodes, Charles E. 
Lauriat. 

The company operates in Massachusetts, Rh^de 
Island, Connecticut, New York, Pennsylvaria, 
Minnesota, New Jersey, West Viri;inia. Maryland, 
Ohio, Illinois, Nebraska and Michigan. 

Life Indemnity and Investment Company, 
Sioux City, la.— A. T. Parish, C. E. Mabie, Joseph 
Sampson, James A. Jackson, S. D. Cook, J. B. 
Estee, E. H. Stone. E. W. Skerry, James L. 
Gates. 

The company operates in Iowa, Illinois, Wiscon 
sin, Minnesota, South Dakota, Nebraska and 
Utah. 

Life Insurance Company of Virginia, 
Richmond. Va.— G. A. Walker, T. William Pem- 
berton, James Pleasants, W. J. Walker, John G. 
Walker. F. H. Cameron, George Johnston. John 
R. Cook, James W. Pegram, Everett Waddey. 

The company operates in Virginia, West Vir- 

Sinia, District of Columbia, Indiana, North Caro- 
na. South CaroUna and Louisiana. 

Manhattan. New York. — Edward Schell, 
Abram Dubois. Henry Van Schaick, James Stokes, 
OUn G. Walbridge. D. H. McAlpin, W. J. Valen- 
tine, E. A. Walton, George W. Quintard, Hyman 
Blum, C. Norwood, John W. Hunter, P. Van 
Zandt Lane, Jacob Naylor, John King, John H. 
Watson, N. K. Masten, Spencer H. Smith, Henry 
B. Stokes, George H. McLean, Philip Bissinger, 
Artemas H. Holmes, Frederick Billings, Henry 
B. Pierce. Emil F. Del Bondio, William H. Oakley, 



146 



DIRECTORS AND TRUSTEES OF LIFE COMPANIES. 



Robert S. Green, Jacob L. Halsey, Arthur Leary, 
Coraclius D. Wood, De Witt C. Hays. N. F. Pal- 
mcr, Bcnj. F. Tracy, Thomas F. Oakes, Bcnj. 
Grifien, J. Otis Hoyt. 

The company operates in Alabama. Arkansas, 
Calif jmia, Colorado, Connecticut, Dakota, Dela- 
ware, District of Columbia, Florida, Georgia, 
Idaho. Illinois. Indiana. Iowa, Kansas, Kentucky, 
Louisiana, Maryland, Massachusetts, Michigan, 
Minnesou, Mississippi, Missouri, Nebraska. New 
Hampshire, New Jersey. New Mexico, New York, 
North Carolina. Ohio, Oregon. Pennsylvania, 
Rhode Island, South Carolina, Tennessee. Utah, 
Vermont. Virginia, Washington, West Virginia, 
and Wisconsin. 

Maryland. Baltimore, Md.— Hamilton Easter. 
Hugh Sisscn, Thomas Cassard. Christian Dev- 
ries, William H. Perkins, C. Morton Stewart, 
Douglas H. Thomas, John Gill, WilUam H. Black- 
ford. 

The company operates in Maryland, Virginia, 
West Virginia, North Carolina, Gieorgia and Ala- 
bama. 

Massachusetts Mutual, Sprinefield, Mass. 
— E. W. Bond, Homer Foos Julius H. Appleton, 
Lewis J. Powers, Henry S. Lee, Gideon W^Hs, N, 
C. Newell. Henry S. Hyde, Henry M. Phillips, 
Edwin D. Metcalf, M. V. B. Edgerly. John A. 
Hall. John R. Redfield. Chas. S. Mellen. P. C. 
Cheney. George B. Chandler, James M. Warner, 
John K. Marshall, J. S. Tilney. 

The company operates in Arkansas, Connecticut, 
Colorado. District of Columbia. Llinois. Indiana.' 
Iowa, Kansas, Maine. Maryland, Massachusetts, 
Michigan, Minnesota, Missouri, New York. New 
Jersey, Nt-w Hampshire, Nebraska, Ohio, Oregon, 
Pennsylvania, Rhod<^ Island, South Dakota, Texas, 
Vermont and Wisconsin. 

Metropolitan, New York.— Joseph F. Knapp, 
Hon. Ihrmas L. James, Hon. Wihiam Henry 
Amoux, Hon. Silas B. Du'cher, Hon. Enoch L. 
Fancher, D. C. Ripley, John M. Cr^ne, James L. 
Stewart, Emery M. Van Tassel, Ei Beard, H. 
Toulmin, J)hn R. Hegeman, Joseph P. Knapp. 

The company operates in Canada, Connecticut, 
Delaware, District of Columbia, Illinois. Indiana, 
Kansas, Kentucky, Maine, Maryland, "Massachu- 
setts, Michigan, Minnesota, Missouri, New Hamp- 
shire, New Jersey, New York. Ohio, Pennsylvania, 
Rhode Island, Virginia and Wisconsin. 

Michigan Mutual, De roit, Mich.—Jacob S. 
Farrand. Emory Wendell, William A. Moore, W. 
C. Colbum, Robeit W. King, Theodore H. Hinch- 
man, Jerome Croul, George W. Latimer, M. S. 
Smith, Wilh-^m A. Butler, Emil S Heineman, 
Charles A. Kent, Herman Keifer, M. D., W. J. 
Chittenden, James McMillan, T. D. Gilbert, D. M. 
Ferry, Thomas W. Palmer, William S. Wilcox, 
S. R. Mumford, Gen. William F. Raynold?, James 
C. Wilson, M. D., B. J. Conrad, B. C. Farrand, 
M. J. Mooney. Geo. Peck, J. H. Cummins, E. H. 
Elwell, Hoyt Post. J. W. Dusenbury. 

The company operates io Michigan, Ohio, In- 
diana, West Virginia, Kentucky, Pennsylvania, 
Maryland, New Jersey, Tennessee. District of Co- 
lumbia. Illinois, Iowa, Kansas, Colorado, Nebraska 
and Minnesota. 

Mutual, Louisville, Ky.— Thomas L. Barrett, 
John M. Robinson, Henry W. Banett, George W. 
Morris, Wil iam Mix, Geo. W. Wicks, John D. 
Taggart, W. W. Hite, M. Muldoon, H. M. Bur- 
ford, W. H. Boiling. M. D., Charles Goldsmith, 
John W. Green, Attila Cox, A. P. Humphrey, P. 
H. Tapp. 

The company operates in Kentucky, Indiana, 
Missouri, North Carolina. South Carolina. Georgia, 
Alabama, Iowa, West Virginia and Tennessee. 
Will enter Arkansas, Illinois and the District of 
Columbia during 1890. 



Mutual, New York.— Samuel E. Sproons, 
Samuel D. Baboock, George S. Coe, Kichard A. 
McCurdy, James C. Holden, Hermann C Vun 
Post, Alexander H. Rice, Lewis May, Oliver Hani- 
man, Henrv W. Smith, Robert Otyptiant, George 
F. Baker, Joseph Thompson, Dudley Olcott, Fred- 
eric Cromwell, Julien T. Davies, Robert Sewell, S. 
Van Rensselaer Cruger, Charles R. Henderson. 
George Bliss, Rufus W. Peckham, J. Hobart Her- 
rick, William P. Dixoo, Robe- 1 A. Granniss, Henry 
H. Rogers, John W. Auchmdoss, Theodore Mor- 
ford, William Babcock, Preston B. Plumt>, Stuvve- 
sant Fish, Augustus D. Juilliard, Charles E. Miller, 
James W. Hustrd, Walter R. Gillette, James E. 
Grannis. 

The company operates in the United States, Can- 
ada, Europe, Australasia, Central and South Amer- 
ica. 

Mutual, Baltimore, Md.— Hon. David Fowler, 
Henry M. Wilson, M. D., Edw. J. Codd, James 
E. Stansbury, Thos. W. Jenkins, Beoj. G. Harris. 
Joseph Fink, Henry Casbmyer, Chas. Hildebrand. 
Julius Stem. 

The company operates only in Maryland. 

Mutual Benefit, Newark, N. J.- Frederick 
M. Shepard, John L. Blake, Edward H. Wrivht. 
Benjamin C. Miller, Amzi Dodd, Horace N. Con- 
gar, George A. Halsey, James B. Pearson. Freder- 
ick H. Teese, Eugene Vanderpool, Marcus L. 
Ward, Fred'k Frelinghuysen. 

The company operates in all States and Terri- 
tories of the United States, except Florida, Missis- 
sipi, Louisiana, Arkansas and Virginia. 

National, Montpelier, Vt.— Paul Dillingham. 
Charies Dewey, W. H. H. Bingham, George W. 
Reed, Dudley C. Denison, Edward Dewey, James 
C. Houghton, Fred. E. Smith, Perley P. Pitkin, 
James T. Phelps, Wheelock G. Veazey, George 
Briggs, Levi K. Fuller. 

The company operates in Califorria, Colorado. 
Delaware, District of Columbia. Illinois, Indiana. 
Iowa.- Kansas, Kentucky, Maine, Maryland, Massa- 
chusetts, Michigan, Minnesota, Missouri, Nebraska, 
New Hampshire, New Jersev, New York, Ohio. 
Oregon, Pennsylvania, Rhoae Island, Vermont, 
Washington and West Virginia. 

New England Mutual, Boston, Mass.— 
George H. Folger, Charles U. Cotting, Joseph M. 
Gibbensj, Watren Sawyer, William T.- Hait, Wil- 
liam C. Endicott, Alfred D. Foster, 1 hcmas Sber- 
win. Benj. F. Stevens, Wm. H. Wilder. 

The company operates in Alabama, California. 
Colorado, Delaware, District of Columbia, Illinois. 
Indiana, Kansas, Louisiana, Maine, MaryUnd. 
Massachusetts, Michigan, Minnesota, Missomi, Ne- 
braska, New Hampshire, New Jersey, New York, 
North Dakota, Ohio, Pennsylvania, Rhode Island. 
South Carolina, Vermont, West Virginia and Wis- 
consin. 

New York, New York.— William H. Appleton, 
William H. Beers, William A. Bpoth, Henry Bow- 
ers, John Claflin. Robert B. Collins, H. C. Morti- 
mer, Alex. Studwell, Walter H. Lewis, Edward 
Martin, Richard Muser. C .C. Baldwin, Edward N. 
Gibbs, W. B. Hornblower, John N. Steams. Wm. 
L. Strong, W. F. Buckley, Henry Tuck, A. H. 
Welch, L. L. White, A. Huntington, M. D., medi- 
cal director. 

The company operates throughout the civilized 
world. 

Northwestern Mutual, Milwaukee, Wis.— 
Trustees : H. L. Palmer, Charles D. Nash, Jerome 
I. Case, Anson P. Waterman, J. H. Van Dyke. 
David Ferguson, John J. R. Pease, Marthew Keen- 
an, Edwin Hydr, Dwight Duikee, David J. Brewer. 
C. B Skinner, Angus Smith. Wil ard Merrill. Geo. 
W. Mitchell, Wm. P. McLaren, Samuel C. Law- 
rence, B. K. Miller, Jesse Spaulding, W. G. Fitch, 
Charles Ray, John L. Mitchell, Char|^ £. Dyer, 



DIRECTORS AND TRUSTEES OF LIFE COMPANIES. 



147 



Jacob R. Telfair, Hubbard Cooke, A. K. Hamiltoo, 
F. C. Winkler. Geo. F. Wheeler. F. F. Adams, 
James B. Grant, Woi. M. Sinclair, John S. EUett, 
Fred. Vogel, Jr., Thomas C. Lawlor. 

The company operates in Maine, New Hamp- 
shire, Vermont, Massachusetts, Rhode Island, Con- 
necticut, New York, New Jersey, PennsySvania, 
Delaware, Maryland, West Virginia, Virginia, 
North Carohna, Georgia, Kentudcy, Tennessee, 
Ohio, Indiana, Illinois, Michigan. Wisconsin, 
Iowa, Minnesota, Kansas, Nebraska, North and 
South Dakota, New Mexico, Colorado, W]roming, 
Alabama, Montana, Utah, Idaho. California, Ore- 
gon, Washington, District of Columbia and Texas. 

Pacific Mutual. San Francisco. Cal.— Robert 
Sherwood, George W. Bearer, L. S. Adams, Col- 
umbus Wateihcuse. W. H. Crocker. W. R. Clu- 
ness, Samuel Lavenson. George A. Moore. J. F. 
Houghton, Hugh M. Laiue. D. W. Earl, Charles 
N. Fox. James Carolan, Henry T. Scotr, L. P. 
Drexler. 

The company operates in California. Colorado, 
lUinois, Iowa, Kansas, Kentucky, Louisiana, Mich- 
igan, Minnesota, Montana, Nebraska, Ohio, Ore- 
gon, Pennsylvania, Texas and Washington. 

Pknn Mutual, Philadelphia. Pa.— Tnisfees : 
William H. Kern. James O. Pease. Joseph M. P. 
Price, Charles Watson, EUwood Johnson. William 
C. Houston, Joseph B. Hodgson. Howard Hinch- 
man, William H. Rhawn, Atwood Smith, John H. 
Watt, N. Parker Shortridge, Richard S. Brock, 
B^'njamin Allen, John Scot', Charles J. Field, Rob- 
ert Doman, William M. Runk, R. Allison Miller, 
Henry S. Eckert, Noah A. Plympton, Frank 
Markoe. Harry F. West, Lincoln IC. Passmore. 
Geo. K. Johnson, Jr., Joseph Bosler, Frank H. 
Hi|: pie. 

The company operates in Pennsylvania, Maine. 
New Hampshire, Vermont, Massachusetts, Rhode 
Island, Connecticut, New York, New Jersey, Del- 
aware, Maryland. Virginia, West Virginia. District 
of Columbia. North Carolina, South Carolina. 
Florida. Georgia. Alabama, Louisiana. Texas. Ken- 
tucky, Ohio, Tennessee, Indiana, Illinois, Kansas, 
New Mexico, Nebraska, Missouri, Michigan, Wis- 
consin, Iowa. Minnesota, Colorado. California, 
Oregon, Washington, Wyoming, Utah, Montana 
and the Dakotas. 

PEOPLES Industrial. Norwich, Conn.— H. H. 
Osgood, Wm. Fairbanks, E. N. Gibbs, S. B. 
Bishop, A. L. WilJiston, John Mitchell, G. H. 
Whilcomb. H. H. Gallup. Wm. N. Blackstone, 
John E. Warner, John Eocle^. 

The company operates in Connecticut, Pennsyl- 
vania and Rhode Islami. 

Prcenix Mutual, Hartford. Conn.— Jonathan 
B. Bunce, James Nichols, Nathaniel Shipman, 
John M. Holcombe. John C. Parsons, Isaac W. 
Brooks, Francis B. Coolty, George H. Day, Silas 
W. Kobbins, Charles H. Lawrence, Charles E. 
Gross, John H. Hall. John D. Browne, Edward D. 
Robbins, David S. Plume. 

The company operates in Anzona, Califorria, 
Connecticut. District of Co'umbia, Canada. Illinois, 
Indiana, lovba. Kansas. Kentucky, Maryland, New 
Hampshire, New Jersey, New York, Maine, Mich- 
igan, Minnesota, Missouri, Ohio. Pennsylvania, 
Rhode Island, Tennessee. Vermont and Wisconsin. 

Pkesbyterian Ministeks Fund, Philadelphia, 
Pa.— Rev. Hughes O. Gibbons. Rev. Samuel A. 
Mutchmore, Rev. John S. Mcln'osh, James Hewitt, 
James F. Young, Samuel Field. Frank Olcott 
Allen. Jamt-s F. Magee, Rev. J. Stewart Dickson, 
J. M. Collingwood, Franklin L. Sbeppard, Rev. 
John HempbilL 

Provident Life and Trust Company, Phila- 
delphia, Pa.— Samuel R. Ship ey, T.Wl^tar Brown, 
Henry Haines, Richard Cadbury, Richard Wood, 



William Hacker, Charles Hartshorn*, Israel Mor- 
ris, William Gummere, Frederic Collins, Asa S. 
Wing, Philip C. Garrett, Justus C. Strawbridge, 
James V. Vvatson. William Longstreth. 

The company operates in Pennsylvania, Maine, 
Massachusetts. Rnode Island, Connecticut, New 
York. New Jersey, Maryland, Ohio. Indiana, Illi- 
nois, District ot Columbia. Delaware, Missouri, 
Minnesota, Iowa and West Virginia. 

Provident Savings Life Assurance So- 
ciety, New York.— Edward C. Homans, Abraham 
Averv, John O. Heald. Heywood C. Brown, Hon. 
A. a, Cornell, Sh^pDard Homans, Samuel Par- 
sons, Theodore F. Miller, James B. Houston, 
Joseph H. Parsors, Stephen G. Clarke, James H. 
Saville, G. S. Plumley, William £. Stevens. 

The society operates in Alabama. Arkansas. Cali- 
fornia, Cansida, Colorado, Connecticut, Delaware, 
District of Columbia, Georgia, Illinois, Indiana, 
Iowa. Kansas, Kentucky, Louisiana, Maine, Mary- 
land, Massachusetts. Michigan. Minnesota, Missouri, 
Nebraska, New Hampshire, New Jersey, New 
York, North Carolina, North Dakota, Ohio, Penn- 
sylvania, Rhode Island. South Carolina, Tennessee, 
Texas, Vermont, Virginia, Washington, West Vir- 
ginia and Wisconsin. 

Prudential. Newark, N. J.— John F. Dryden, 
Leslie D. Ward, Horace AlHng. Henry J. Yates, 
Edgar B. Ward, Edward S. Johnson. Aaron Carter, 
Jr.. Theodore C. E. B'anchard, James Perry, 
Charles G Campbell. Elias S. Ward, Seth A. 
Keeney, Fred. C. Blanchard, Edward Kanouse, 
Forrest F. Dryden. 

The company operates in New York. New Jersey, 
Pennsylvania, Delaware, District of Columbia, 
Mar\land. Ohio. Indiana, Kentucky. Illinois, Mis- 
souri. Minnesota, Michigan, Colorado, Kansas and 
Wisconsin. 

Royal Union Mutual. Des Moines, la.— S. 
A. Robertson, John R. Prime. N. M. Hubbard, 
Jr., Joseph S. Morgan, Frank D. Jackson. G. B. 
Pray. James T. Priestly, C. D. Boardman, Sidney 
A. Foster. 

The company operates only in Iowa. 

State Mutual Assurance Company, Wor- 
cester, Mass. — A. G. Bullo k, P. L. Moen, Thomas 
H. Gage, K. B. Stoddard, T. W. Hammond, S. 
Salisbury, William E. Starr. Aug. N. Currier, 
Charles A. Denny. W. H. Jourdan, G org-^ F. 
Hoar, Albert Wood, Henry M. Witter, Thomas L. 
Nelson, Jo iah H. Clarke. Frank A. Gaskill. 

The company oper.ites in New Hampshire, Ver- 
mont, Massachusetts, Rhode Is and, New York, 
New Jersey, Pennsylvania, Maryland, District of 
Columbia, Ohio, Illinois, Kentucky, Michigan. 
Minnesota, Connecticut, Missouri, Kansas and 
Nebraska. 

Sun, Louisville. Ky.— J. B. McFerran. Chas.W. 
Gheens. H. V. Sanders Th mas H. Shcrley, 
Harry Weissinger, H. H. Littell, A. G. Munn, 
Chas. D. Pearce. Albert S. Willis. H. W. Graham, 
John A. Lyons. W. H. Thomas, M. W. Adams. 

The company operates in Kentucky and Tennes- 
see. 

Travelers. Hartford, Conn.— Jpmes G. Batter- 
son, James L. Howard, Gustavus F. Davis, Eben- 
ezer Roberta. Hugh Harbison. Gt-orge M. Pullman, 
Caleb M. Holbmok, Nathaniel Sbiproan, Rodney 
Dennis, Henry P. Steams, William B. Clark. Aus- 
tin C. Dunham. PUny Jewell, George Roberts, A. 
W. Tillson, Charles C. Beach, 

The company operates in all States and Terri- 
tories ot the United States, the Dominion cf Can- 
ada and in Mexico. 

Union, Omaha, Neb.— E. M. Morsman, H. T. 
Clarke. Frank Murphv. W. H. Holcomb, R. C. 
Gushing. D. M. McElhinney. Geo. W. Holdrege, 
J. R. Hunter, A. L. Wigton, Jos. H. Millard, 



148 



LIFE UNDERWRITERS ASSOCIATIONS. 



Thos. L. Kimball, C. E. Yost, A. Pratt, D. E. 
Thompson. W. N. Nason. 
The company operates in Nebraska and Utah. 

Union Central. Cincinnati, O.— R* S. Rust, 
LL.D.. William B. Davis, M.D., Prof. W. G. Wil- 
liams, William M. Ramsry, John M. Pattison, J. 
R. Clark, Peter Murphy, £. P. Marshall, Richard 
Dymond, Sanford Hunt, D.D.. A. J. Sage. 

The company operates in Ohio, Pennsylvania, 
New York, New Jersey, Connecticut, Maryland, 
Virginia, West Vitnnia, Kentucicy, Indiana, Dis- 
trict Columbia, Michiffan, Illinois, Wisconsin, Min- 
nesota. Iowa, Nebraska. Kansas, Missouri, Ten- 
nessee, Georgia, North Carolina, South Carolina, 
.^abama, Arkansas, California, Colorado, Oregon, 
Washington, Montana, and Nonh and South Da- 
kota. 

Union Mutual, Portland, Me.— John E. De 
Witt, Henry C. Hutchins, Hon. Josiah H. Dram- 
mond, Hon. Percival Bonney, Hen. Marquis F. 
King, Thomas A. Foster, M. D.. Hon. Fred. E. 
Richards, Hon. Frederick Robie, Edward A. Noyes, 
Frank E. Allen, James Yereance, Hon. Seldon 
Connor. 

The company operates in Arizona, Cahfomia, 
Colorado, Connecticut, Delaware, Illinois, Indiana. 
Iowa, Kansas, Kentucky, Maine, Maryland, Massa- 
chusetts, Michigan. Minnesota, Missouri, Montana, 
North and South Dakota, New Mexico, Nebraska. 
New Hampshire, New Jersey, New York, Ohio, 
Oregon, Pennsylvania, Rhode Island, Tennessee, 
Texas, Vermont, Virginia, West Virginia, Wiscon- 
sin, Wyoming, Utah and Canada. 

Unitbd States, New York.— Clinton Gilbert' 
Henry W. Ford. Nathan F. Grav s, H. K. Thtir 
ber, Julius Catlin. Henry C. Hulbert, James R- 
Plumb, George G. Williams, A. Wallach, Oliver P- 
Buel, Henry L. Clapp, E. Van Volkenburgb, Chas- 
P. Fraleigh. John P. Munn, M. D.. George H. Bur- 
ford, Alfred S. Heiddbach, Alfred Wheelwright. 
Joseph M. DeVeau, Francis L. Leland, E. H. Per 
kins, Jr.. A. S. Fnssell, John J. Tucker. D. H. 
Houghtaling, Thomas Russell. Edward P. Steers. 

The company operates in Alabama, California. 
Colorado, Canada, Connecticut, Georgia, Illinoist 



Indiana. Iowa, Kansas. Kentucky, Maine. Marv- 
land, Massachusetts, Michigan, Minnesota, Mis- 
souri, New Jc«vy, New York. North Carolina. 
Ohio, Pennsylvania. Rhode Island. Tennessee, 
Texas, Vermont and West Virginia. 

United States Industrial, Newark, N. J. — 
Edward N. Crane, Charles A. Ughthipe, F. B. 
Mandeville. M. D., John H. Ballantine, William 
Clark, Hon. George A. Hahev, J. C. Smith. M. T. 
Gay, Go'tfried Krueger. George B. Jenkinscn. E. 
Luther Joy. Edwin M. Douglas, William R. AUing. 
Frederic W. Ward, William T. Rae. George B. 
Swain, George Spottiswoode, Ellas O. Doremus, 
James H. Hart, Hon. Franklin Murphy. 

The company operates in Delaware, New Jersey, 
New York and Pennsylvania. 

Vermont, Burlington, Vt.— Torrey E. Wales. 
Samuel Huntington, Russell S. Taft, Jo D. Hatch. 
F. C. Kennedy, Daniel Roberts, W. W. Henrr, 
William A. Crombie. Edward Barlow. Joel H. 
Gates. C. M. Spaulding, Edwin Wheelock. Wil- 
liam H. Hart, C. W. Carter, D. W. Robinson. 
George H. Morse, Robert Roberts, Walter Car- 
penter. 

The company ooerate^ in Vermont, Rhode Island, 
Pennsylvania and Illinois. 

Washington, New York.— W. A. Brewer, Jr., 
William Haxtun, George N. Lawrence. Levi P. 
Morton, Abiel A. Low, Merritt Trimble, George A. 
Robbing, James Thomson, Wilson G. Hunt, Chaiies 
H. Ludington, Robert Bowne, Francis Speir, Fred- 
eric R. Coudert, George Newbold, Benjamin Hax- 
tun, Edwin H. Mead, Henry F. Hitch, Charles P. 
Britton, Francis G. Adams, Benjamin W. Mc- 
Creadv, M. D., David Thomson, Harold A. Sander- 
pon, Roland G. Mitchell, Randolph F. Purdy. 
George M. Hand, John Hopson, Jr., Henry S. 
Harper. 

The company operates in all States except Missis- 
sippi and Nevada. 

Western and Southern, Cincinnati. O.— 
Frank Caldwell, John R. Davey, Thomas H. C. 
AUen, William W. Innis, J. William Johnson. P. 
T. Swaine, S. M. McKencie. William J. Williams. 

The company operates in Kentucky and Ohio. 



Life Underwriters Associations. 



Actuarial Society of America. 

President, David Parks Fackler ; first vice-presi- 
dent, H. W. St. John ; second vice-president, Em- 
ory McCUntock ; secretary, Israel C. Pierson ; treas- 
urer, Bloomfield J. Miller. 

Coandl— Oscar B. Ireland, William McCabe, 
David H. Weils George W. Phillips, Sheppard 
Homans and Rufus W. Weeks. 

Baltimore Life Underwriters Association. 

President, Henry P. Goddard ; first vice-president, 
Frank Markoe ; second vice-president, F. C. Nico- 
demus; secretary, L. H. Baldwin; treasurer, Mon- 
roe Snell. 

Executive Committee~E. H. Walker, George F. 
D'Utassy, H. B. Meigs. George C. Gantz and O. 
M. Cummins. 

Boston Life Underwriters Association. 

President, Darwin Barnard; vice-presidents, W. 
H. Dyer, F. A. Hart ; secretary, Franklin Barnard ; 
treasurer, Francis Marsh. 

Executive Committee— B. S. Calef, W. W. 
Hodges, D. N. Holway, C. A. Hopkins, W. F. 
Baehe. 



Life Insurance Association of the Caro- 

LIN AS. 

President. J. D. Church of Charlotte. N. C; vice- 
presidents, J. C. Drewry and W. J. Roddy ; secre- 
tary and treasurer. S. L. Adams of Durham, N. C. 

£xecutive Committee— O. £. Johnson. W. Brtm, 
F. C. Whitner, J. R. Undsay, C- J. Hunter. 

Chicago Life Underwriters Association. 

President, Charles H. Ferguson; vice-pesident, 
C. S. Smith ; second vice-president. W. D. Wyman ; 
secretary, L. A. Spicer; treasurer. Chartes A. 
Weidenft^ller. 

Executive Committee— J. H. Strong, Gase E. 
Tarbell. J. H. Nolan. I. J. Mason. 

Cincinnati Life Underwriters Association. 
President. Chas. E. Logan ; vice-president. M. J. 
Mack ; s^ cretary, Frank M . Joyce ; treasurer. S. M. 
Brandyberry. 

Cleveland Association of Life Under- 
writers. 
President, C. E. Tillingfaast; first vice-president, 
L. C. Lawton ; second vice-president, W. M. Wood- 



LIFE UNDERWRITERS ASSOCIATIONS. 



149 



mff; aecretaiy, Frank L. Ford ; treasurer, O. N. 
Olmstead. 

Executive Committee — S. E. Mulford, chairman ; 
J. C. Trask. M. E. Coxad, £. W. Christy and F. 
A. Kendall. 

CONNBCTICUT LiFB UNDERWRITERS ASSOCIA- 
TION. 

President, Alfred T. Richards; yi^e-presidents, 
Herman A. Tyler, L. W. Moody ; secretary, F. A. 
Thompson; treasurer, A. H. Bond. 

ExecutiTe Committee — Alex. Harbison, L. H. 
Lyoo, Jos. Schwab. EU D. Weeks and H. £. Har- 
rington. 

Life Underwriters Association of the Dis- 
trict OF Columbia. 

PresidcDt, Thos. P. Morgan, Jr.; Tioe-president, 
James S. Jordan ; secretary, M. H. Acheson ; tieas- 
orer. H. H. Bergmann. 

ExecutiTe Committee— S. Wolf, G. C. Oants, J; 
H. DameiUe, F. L. Marshall and S. P. Ficklen. 

Kansas City (Mo.) Life Underwriters As- 
sociation. 
President. C. D. Whitehead; vice-president, H. 
A. Lord; secretary, C. D. Mill; treasurer, Eli 
Potter. 

Life Insurance Association of Los An- 
geles. Cal. 
Pr^sideDt, R. H. BTX>wn ; vice-president, L. K. 
Webb ; secretary and treasurer, H. H. Swanton. 

Maine Life Underwriters Association. 

President, J. P. Stevens; vice-presidents, J. W. 
Fitzpatiick. J. B. Brackett, C. F. Dunlap ; secre- 
tarr, G. P. uewey; treasurer, Jas. Senkinson. 

Executive Committee— W. H. Anderson, A. H. 
Ford. J. M. Gooding, C. Sunchfield. 

Legislative Commltiee— A. L. Talbot, H. N. Fair- 
banks, C. F. Dunlap, J. P. Stevens, J. F. Lang. 

Association of Life Assurance Medical 
Directors. 

Presid^t, Dr. J. M. Keating; vice-presidents, 
Dr. G. W. Russell and Dr. Lewis McKnight; secre- 
tary. Dr. Frank Wells ; treasurer. Dr. J. W. Bran- 
nan. 

Executive Committee— Dr. J. M. Keating, ex- 
officio ; Dr. Henry Tuck, Dr. G. S. Winston, Dr. 
E. W. Lambert and Dr. Edgar Holden. 

Michigan Life Undkrwriters Association. 

President, W. T. Gage: vice-president, M. L 
Wtiitman ; secretary, W. H. Burr; treasurer, C. C. 
Kelso. 

Executive Committee— G. A. Watkins, D. A. 
PSeraon, Thos. Ferguson, J. T. Patton. 

Montreal Life Underwriters Association. 
President, H. G. Corthoon; vice-president, P. 
Laferrirre ; secretaty, A. Cowley ; treasurer, J. F. 
Jenkins. 

National Association of Life Under- 
writers. 

Annual meeting held at Detroit on third Wednes- 
day in June, 1891. 

For oAoers, etc.. see addenda. 

Life Underwriters Assooation of Ne- 
braska. 
President, W. J. Fisher ; first vice-preslrient, H. 

D. Feeley ; second vice-president, O. H. Jeffreys ; 
secretary, E. H. Mahey ; treasurer, M. L. Roeder. 

Executive Committee— John Steel, W. J. Fisher, 

E. H. Johnson, O. H. P. Hale, M. L. Roeder, 
cfaairman. Pr^ Committee — H. O. Lyman, W. 
J. Crowell, N. Sherwood, A. B. Roeder, chairman. 

New Hampshire Life Underwriters Assoa- 
ation. 
President, C. L. Meloon of Manchester; first 
vice-president, J. D. Chandler of Nashua; second 



vice-president, C. Parker of Concord; secretary, 
W. M. Morgan of Manchester; treasurer, A. P. 
Wilson of Manchester. 

Executive Committee — C. E. Staniels of Concord, 
M. A. Taylor of Nashua, A. H. Crowell of Con- 
cord and J. J. Dillon of Manchester. 

Life Insurance Association of New York. 

President. Geo. B. Haskell; vice-presidents, Alvah 
W. Brown, Julius F. Gerow and Kobt I. Murray; 
secre.ary, Moses Stems ; treasurer, Esra de Forest. 

Executive Committee— C. H. Raymond, A. B. 
Ab*>methv, Wm. Ratdiflfe, Gilford Morse and Geo. 
B. Haskell, ex-officio. 

Ontario Life Underwiters Association. 

President, Mark Cohen; vice-presidents, R. S. 
Bairdand R. H. Jarvis; treasurer. I. B. Thayer; 
secretary, A. H. Ellis. 

Provisional Committee— Alex. Cromar, W. S. 
Noad, J. C. Hurst and A. W. Murton. 

Philadelphia Association of Life Under- 
writers. 

President, I. Layton Register; vice-presidents, 
W. L. Moore, Walter H. Tilden and D. A. Keyes; 
secretary. E. H. Plummer; treasurer, AmosWakelin. 

Executive Committee— Joseph Ashbrook, W. H. 
Lambert, J. M. Longacre, J. W. Woods, Richard 
Fisher, H. C Uppincott and F. A. Howard. 

Pittsburgh Life Underwriters Associa. 

TION. 

President, James C. Biggert; first vice-president. 
Henrv. C. Ayres; second vice-president, W. P. 
Wooldridge ; secretary, E. H. Dermitt ; treasurer, 
R. C. Oehmler. 

Executive Committee— H. C. Ayres, W. P. 
Wooldridge, Edward A. O'NeU, Edward A. Woods 
and Benjamin H. Lightfoot 

Providence Association of Life Under- 
writers. 
President, Chas. D. Tucker ; first vice-president, 
R. P. GifTord ; second vice-president, H. L. Traf- 
ford; secretary, J. K. Voshell; treasurer, B. F. 
Peabodie. . 

Life Underwriters Association of Sr. 
Louis. 

President, T. D. Kimball ; first vice-president, E. 
Wilkerson ; second vice-president, E. P. Roberts ; 
secretary, Henry H. Kohn; treasurer, M. W. Leet. 

Executive Commitee— Frank Block, Edwin Fow- 
ler. Joseph E. Baker, A. B. Denton and Ben. May 

Association of Insurance Superintendents 
AND Commissioners. 
President, C. P. EUerbe ; vice-president, Geo. B. 
Luper ; secretary, C. B. Allan. 

Vermont Association of Life Under- 
writers. 
President, A. P. Childs of Bennington; vice- 

5 residents. W. H. S. Whitcomb of Burlington, 
oseph G. Brown of Montpelier, L. P. Norton of 
Bennington. P. D. Blodgett of St. Johnsbury. T. P. 
W. Rogers of Burlington ; treasurer, Isaac S. Bor- 
ley of St. Albans ; secretary, J. F. Wdlman of Bur- 
linjrton. 

Executive Committee— G. H. Smalley, C. H. 
Sawyer, J. B. Fletcher, J. E. Curran, J. H. Drew. 

Life Underwriters Association of West- 
ern New York. 

President, William Manning; first vice-president, 
E. H. Whitney; second vice-president, J. W. 
Moore; secretary, D. J. Sadden; treasurer, W. G. 
Justice. 

Executive Committee— W. F. Wright, W. P. 
Jones, E. P. Clarke, M. D. L. Hayes and H. J. 
Upson. 



150 



DIRECTORS OF MISCELLANEOUS COMPANIES. 



Directors of Miscellaneous Companies. 



American Bank and Insurance Guarantee, 
Newark. N. J.— Edward Schickhaus. Gottined 
Krueger, Henry Lang. S. S. Sargeanr, James 
Smifh. Jr.. Edward Kanouse. H. C. H. Herold. 
M. D., Julius Stapff. Henry J. Yates, James F. 
Connelly, William Schcerer, Levi Maybnum, Louis 
Beer, Dr. W. A. James, H. Lang, A. Fishel. 

American Employers Liability, Jersey City. 
—John S. Be|?gs, John Cooper, J. H. Crane, N. 
B. Cushiog, Marc Eidlitz, W. N. Flynt, H. Her- 
mann, Henrv Seibert, P. S. Ross, A. Spadone, 
John J. Tucker, Hamilton Waliis, A. T. Wing, 
Edward F. Wright, Charles T. Wills. 

American Mutual Liability, Boston, Mass. 
— Harcourt Armory, Thomas J. Borden, T. Quincy 
Browne, William r. Draper, Thomas S. Edmands, 
Russell Gray, Henry Lippitt, William C. Lovering, 
Andrew G. Fierce, William A. Russell, Lucius M. 
Sargent, Howard Stockton. 

American Surety Co., New York.— Trustees : 
William A. Wheelock, F. W. Vandcrbilt. William 
B. Leonard, John J. Knox, C. N. Bliss, Henry H. 
Cook, William B. Kendall, John A. McCall, John 
H. Inman, Henry B. Plant, Thomas C. Piatt. 
George M. Pullman, William Dowd. Henry D. 
Welsh, John C. Bullitt, Elihu Root, Willis S. 
Paine. Jesse Spalding, John De Koven, Thomas 
S. Kirkwood, John N. Hutchinson, Robert Pitcaian, 
George S. Drake. Carlos S. Grt- eley, J. P. gpauld- 
ing, George W. Blabon, Henry K. Fox, D. W. 
Caldwell, W. G. De^hler, Chas. H. Turner, (J. P. 
Pomroy. George B. Sloan. J. D. Ripley, E. K. 
Sibley, E. F. Browning, C. L. Tiffany, J. W. Pin- 
chot, Gforge F. Victor, L. W. Winchester, W. S. 
Gurnee, James A. Hayden, John J. McCook, M. 
W. Cooper, William L. Trenholm, C. H. Luding- 
ton, Joel B. Erhardt, Walter S. Johnston, George 
S. Edgell, Edward N. Gibbs, Henry D. Lyman. 

. California Title Insurance and Trust, 
San Francisco, Cal.— Wm. Babcock, Oliver El. 
dridge, S. W. Lew. Geo. T. Marye,* Jr., Wendell 
Easton, John A. hooper, P. N. Lilienthal, J. L, 
N. Shepaid, Wm. Thomas. 
The company operates only in California. 

Camden Live Stock, Camden, N. J.— Geo. 
Pfeiffer, Jr.. John W. Cheney. J. J. Albertson, R. 

F. Smith, T. I. Gifford, G. W. Taylor. Harvey 
Sharpless. 

Connecticut Mutual Steam Boiler In- 
spection AND Insurance, Waterbury, Conn.— 
D. B. Hamilton, Henry S. Chase, J. R. Smith, H. 
L. Wade, D. S. Plume, A. M. Young, George 
Rockwell, John M. Douglass. O. H. Stevens, F. H. 
LaForge, C. H. Bronson. 

Conveyancers Title, Boston, Mass.— Francis 
V. Batch, F. C. Bowdi ch, Robert Codman, Moses 
Williams, 'James R. Carret, Henry W. Bragg, H. 
W. Chaplin, Joseph S. Fay, Jr., G. H. Norcross. 
A. F. Wadsworth. Uriel H. Crocker, George A. 
Fisher, W. C. WilHamson, Phineas B. Smith. 
Ernest W. Bowditch, Robert S. Minot, C. S. 
Rackemann. 

Company does business in Massachusetts only. 

DULUTH Title, Duluth, Minn.— Orora P. 
Steams, Charles H. Graves, John G. Williams, H. 
A. Wing, Charles P. Craig, William G. Joems, 
William O. Pealer, N. J. Upham, M. J. Davi«5, A. 
J. Miller, W. A. Pryor, Charles C. Tear, J. D. 
Stryker, C. R. Normandy, Jo eph A. Mannheim. 

Fidelity and Casualty Co., New York.— 
George S. Coe. J. S. T. Stranahan, A. E. Orr, G. 

G. Williams. A. B. Hull, H. A. Hurlbut, J. D. 



Vermilyc, John L. Riker, Wm. H. Male, J.'G. Mc- 
Cullough, Wm. G. Low, J. Roger Maxwell, WiHiaa> 
M. Richard. George F. Seward. 

Guarantee Co. of N. A., Montreal, Can.— 
Directors: $>ir Alexander T. Gait, E. S. Clou- ion, 
Hon. J. Gregory Smith, William Wainwright. 
George Hague, Hartland S. MacDougall, William 
Withall, T. G. Shaughnessy, Edward Rawlingc. 
Local Boards of Directors in the following cities : 
New York, Philadelphia, Baltimore, Pittsburgh. 
Nashville. Boston, Chicago, Louisville, Richmond. 
St. Louis, Detroit, Denver, Omaha and St. Paul. 

The company operates in Canada and the United 
States. 

Hartford Steam Boiler Inspection and 
Insurance Co., Hartford, Conn.— J. M. All- c. 
Frank W. Cheney, Charles M. Beach, Daniel Phil- 
lips, RichartlW. H. Jarvis, Thomas O. Endcrs. 
Leverett Brainard, Gen. Wm. B. Franklin, C. C. . 
Kimball, Nelson HoUister, Hon. Henry C. Rohm 
son, Hon. Francis B. Coolcy, A. W. Jilson. Ed- 
mund A. Stedman, Clapp Spooner, George Burn- 
ham, Hon. Nathaniel Shipmao. 

Lawyers Title, Ntw York.— Edwin W. Cog- 
gesball, Henry Day, William P. Dbcon. John Duer, 
Henry E. Howland, John T. Lockman. J. Law- 
rence Marcellus, John H. Riker, Charles E. Strang, 
Herbert E. Turner, James M. Vamum, John 
Weber. 

The company operates only in New York State. 

Lloyds Plate Glass, New York.— James G- 
Beemer, Daniel B. Halstead, Thomas W. Strong, 
James S. Oakley, Charles Jones. John H. Seed, 
George M. Olcott. Samuel A. Warner, Henry 
Coffin, Wm. D. Chase, Benjamin J. Sturges. Wm. 
A. Nash, Fredenck A. Guild, John J. Drake, H. B. 
Hall, Thos. S. Thorp. 

The company operates in New York, Connecticut, 
Maine, Massachusetts, Rhode Island, Veimont, 
Delaware, District of Columbia, Maryland, New 
Jersey, Ohio, Pennsylvania, South Carolina, West 
Virginia, Illinois, Indiana, Iowa, Michigan, Minne- 
sota, Montana, Nebraska, North Dakota, South 
Dakota, Wisconsin, Alabama, Arkansas, California, 
Colorado, Georgia, Kansas, Kentucky, Louisiana, 
Missouri. New Mexico, Oklahoma, Tennessee. 
Texas and Utah. 

Massachusetts Title, Boston, Mass.— Alorxo 
N. Burbank, Samuel Wells, John C. Haynes, 
Thomas Hill, George H. Richards, James Longlev. 
F. V. B. Kern, Thomas Hills, H. W. Suter, Alfred 
D. Foster, Martin L. Bradford, J. Thomas Bald- 
win, William Trautwine, Charles Matlack, Arnold 
A. Rand. Charles A. Hopkins, Nathaniel J. Rust, 
George Emerson. 

Metropolitan Plate Glass, New York. — 
Henry Harteau, Cyrus B. Davenport, George G. 
Reynolds, Joseph S. Spinney. Theodore E. Smith, 
Felix Campbell, Charles Kellogg, Samuel H. Cor- 
nell, Alfred C. Bam-s, James M. Learitt, Matthew 
P. Robbms. Daniel D. Whitney, Charles T. Cor- 
win, Calvin E. Pratt, Thomas D. Carman, Robert 
Porterfield. Clement Lockitt, Foster Pettit, Peter 
Wyckoff, James L. Brumley, John H. Rieger, 
Wm. H. Joast. 

Minnesota Title Insurance and Trust 
Co., Minneapolis, Minn. — John M. Sraw, Eugene 
A. Merrill, Frank W. Forman, Henry Wioecke, H. 
N. Peck, Arthur M. Keith, F. A. Chamberlain. 
Mart B. Koon, Stanley R. Kitchel. Charles M. 
Loring, Joseph W. Mauck, Charies C. Leland. 
Putnam D. McMillan, Joseph U. Barnes, Daniel 
Fish, George Huhn. Austin F. Kelley, Charles H. 
Woods. 

The company operates only in Minnesota. 



FIELD MEN OF MISCELLANEOUS COMPANIES. 



151 



Mutual Boiler, Boston. Mass.— J. H. Nichols, 
George W. Wheelwright. T. F. Pattrrsoo, Henry 
K. Coc. Wniiam B. Whiting. A. C. Houghton, 
Louis Robeson. F. E. BUke, A. B. Silsbee, R. W. 
Toppan. W. H. H. Whiting, David W. Lane. 

Mutual Plate Glass Ins. assn.. Shelby. O' 
—Dr. W. R. Bncker, W. A. Shaw, T. H. Wigcins' 
Abraham Bushey, Erastus S. Close. H. W. Hilder' 
brant. H. M. Dick. Henry Wenti, L. E. Mackey 

New York Plate Glass, New York.— Leopold 
S. Bache. Daniel Birdsall. James A. Brown, J. Ro- 
maioe Brown. Edwm A. Cruikshank, J. B. Daren- 

Wart. Max Danziger. Thomas W. Robinson, Jacob 
uppert, Jr., James A. Silvey, Charles J. Smith, 
Richard Walter. Alfred L. White. Major A. White. 
William H. Young. Frank A. Ehret, Ashbel P. 
Fitch, M. C. Randolph Gueg^nheimer, F. G. Ha'- 
let. A. L. Hanscom. Elijah R. Kennedy. L. W. 
Liwrence. George R. Read. 

Northwestern Live Stock, Dcs Moines, la. 
— B. F. Kauftman, G. W. Maiquard', C. Grant 
Marquardt. M. A. Lurohard. J. W. Reed. N. T. 
Guernsey. B. R. Fi Id. 

Pacific Surety Co.. San Francisco, Cal.— 
Geortse C. Perkins. John Birmingham. Albeit 
MiUer. J. L. Moody. H. S. Crocker, J. N. Knowles. 
J. J. Valentine, Wm. Clift. H. L. Davis. Wallace 
Everson, A. P. Reddmg. 

The company operates west of the Rocky Mount- 
ains. 

Rochester Title, Rochester. N.Y.— Frederick 
Cook, Gsorg*" E. Mumlord, Frank S. Upton. 
Eu$;ene H. Satterlee, Maurice Leydon. Henry 
Michaeh, Alexander M. Lindsay. Albrecht Vogt, 
Frederick Goetzmann. 

The company operates only in Monroe County, 
New York. 

St. Paul Title Insurance and Trust Co.. 
St. Paul, Minn.— Frederick DriscoU. Arnold Kal- 
roan. William R. Merriam. Emerson W. Peet, 
Crawford Livingston. Daniel R. Noyes. Wiliiiim 
Dawson. Patrick H. Kelly. M. Auerbach, Robert 
Mannheimer, Thomas Cochran. Francis B. Clarke. 
Lane K. Stone. F. G. Ingersoll. Robert R. Dunn. 

The company's operations are almost wholly 
local. 

Southern Accident Insurance Co.. Knox- 
vlUe. Tenn.— Peter Staub. Alex. McMillan, Wm. 
P. Washburn, Jerome Templeton, J. T. Johnson, 
J. S. Robbins, Frank R. Scott, W. H. Simmonds, 
J. P. McMuUen. 

The company operates in Alabama, Georgia, 
South Carolina and Tennessee. 

The Standard Life and Accident, Detroit, 
Mich.— Simon J. Murphy, D. M. Ferry, James 
McMillan. W. C. Y^wkey. F. W. Hayes, C. C. 
Bowen, M. W. O'Brien. D. Whitney. Jr., R. W. 



Gillett, William A. Moore, George H. Hopkins, 

E. W. Meddaugh, J. F. Keena, F. F. Palms, E. A. 
Leonard, W. L. Smith. James A. Remick. J. F. 
Eddy. Chas. Shuchfield. Wm. L. Webber. W. R. 
Burt. S. B. Grummond. C. T. Hills. Ezra Rust, 
John Canfield, Chas H. Hackle?, D. A Blodgett, 
George L Maltz, A. W. Wright, Dwight Cutler. 

The company operates in all States and Tern- 
tori s except Arizona, Cahfomia, Florida, Nevada 
and Virginia. 

Travelers, Hartford, Conn.— James G. Bat- 
terson, James L. Howard, Gustavus F. Davis, 
Ebenezer Roberts. Hugh HarbisDO, George M. 
Pullman. Caleb M. Holbrook, Nathaniel Shipman, 
Rodney Dennis, Henry P. Steams, William B. 
Clark, Austin C. Duoham, Pliny Jewell, George 
Roberts. A. W. Jilson, Charles C. Beach. 

The companv operates in all States and Terri- 
tories of the United States and in Canada and 
Mexico. 

Stockraisers Live Stock, Washington, Pa.— 
Jas. L. Henderson, John Loughlin, H. M. Sweet, 
R. L. Steriing, Wm. C. McCleary. P. J. Walker, 
J. J. Walker, Jas. S. Buchar an, Jas. B. Moxwell. 

Title Guarantee and Trust, New Yoric— 
George G. Williams. John T. Martin. William H. 
Male, Benjamin D. Hicks, Ellis D. Williams, Or- 
lando B. Potter. Hugo Wesendonck. John D. 
Hirks, William Tiautwine. Chatles Richardson, 
Eugene Kelly, James D Lynch. Julien T. Davies. 
Eroil Oelbeimann, Samuel T. Freeman, Charles 
Ma'lack, Louis Windmuller, John W. Murray, 
John Forsyth, Alexander E. Orr, William M. In- 
graham, John Jacob Astor, Martin Jocst, Charles 
R. Henderson, C. H. Kels'y. 

Company operates in New York only. 

Trust Company op North America, Phila- 
delphia. Pa.— William G. Audenried. George F. 
Baer. T. Wistar Brown. John Cadwalader, Adam 
S. Conway. Samuel Dickson. James M. Duane, 
Henry L. Gaw. Jr.. Charles C. Harrison, Samuel 

F. Houston. John N. Hutchinson, Jacob Muhr, 
William F. Read, Joseph R. Wainwrighr, Isaac J. 
Wistar. 

The company operates only in Pennsylvania. 

United States Guarantee Co., New York.— 
H. W. Cannon, Ge'\ Coppeil, W. Butler Duncan, 
Chas. M. Fry, W J. Hancock, Morris K. Jessup, 
Geo. J. Magee, L. C. Murray, John Paton, H« race 
Porter, Russell Sage, Geo. S. Scott. Philip D. 
Atmour, Thos. L. Barrett, Calvin S. Brice, Sir A. 
T. Gait, E. M. Morsman. Asa P. Potter. Edward 
Rawlmgs, Geo. M. Troutman. L. C. Weir. 

The company is licenced in New Jersey. New 
York, Illinois, Massachusetts, Pennsylvania. Mis- 
souri, Ohio. Kansas, Nebraska, Kentucky, Tennes- 
see and Connecticut. 

For agents, see Guacantee Company of North 
America. 



Field Men of Miscellaneous Companies. 



American Bank and Insurance Guarantee. 
Newark. N. J.— Edmund Dwight, 51 Cedar street. 
New York, general agent for the United States. 

American Employers Liability. Jersey City, 
N. J.— General Western Department : Chamber of 
Commerce Building, Chicago; Edward E. Scrib- 
ner, resident manager. New England Department: 
30 Congress street, Boston; Charles W. Holden, 
resident manager. Southeastern Department: 18 
South Seventh street, Philadelphia; Horace A. 
Reeves, general agent. Michigan : H. C. Mead, 
304 Hammond Building. Detroit. Kentucky: 
Moore, Tillman & McAtee, Louisville. Alabama : 



R. F. Manly, Birmingham Trust and Savings Com- 
pany. Maryland: Geo. B. Coale & Son, Balti- 
more. 

American Mutual Liability, Boston, Mass. 
— S. A. Williams, agent. The company operates 
in the New Eogland States, New York and New 
Jersev. 

American Surety Co.. New York.—Geo. W. 
Manning, St. Louis, Mo.; Z. L. Tidball. Chi ago, 
III.; B. K. Sharreits, New York, N. Y.; John B.- 
Furay, Omaha, Neb.; Thos. P. Shallcrois, Wheel- 
ing. W. Va.; Chas. E. Henry, Dallas, Tex.; G. J. 
Lund. Marietta. O.; Charks Adams, Colorado 



162 



FIFLD MEN OF MISCELLANEOUS COMPANIES. 



Springs, Col.: W. T. Henderson, Baltimore, 
Md. ; H. A. Chambers, Loudon, Tenn.; E. F. 
McQueen, Loudon, Tenn. ; J. W. Bowman, 
Denver. Col.; Bradbury Williams, Chicago, 111.; 
Henry Booth, Montgomery, Ala.; Carr Lucy, Aus- 
tin, Tex. The company operates in Alabama, 
Arkansas, Cahfomia. Colorado. Connecticut, Dela- 
ware, District of Columbia, Georgia, Indiana, Illi- 
nois, Iowa, Kansas, Kentucky, Maine, Missouri, 
Maryland, Minnesota, Massachusetts, Michigan, 
Montana, New York, New Jersey, Nebraska, New 
Hampshire, New Mexico, Ohio, Pennsylvania, 
Rhode Island, South Carolina, Tennessee, Texas, 
Utah, Vermont, West Virginia, Wisconsin and 
Washington. 

Connecticut Mutual Steam Boilek In- 
spection AND Insurance. Waterbury, Conn.— 
C. N. Bronson, F. N. Laforge. The company 
operates only in Connecticut. 

Fidelity and Casualty Co., New York.— 
£. B. Tidd, Cleveland, general agent for Ohio, 
Indiana, Michigan, Kentucky and West Virginia ; 
Geo. W. Montgomery & Co. and W. A. Alexander. 
Chicago, general agents for Illinois. Wisconsin, 
Minnesota, Iowa and Nebraska; T. L. Drake, 
Denver, general agent for Colorado; James R. 
Garniss, San Frandsco, general agent for Califor- 
nia; W. G. Bentley & Co., St. Louis, general 
agents for Missouri; Blake, Barrows & Brown, 
Bangor, iceneral agents for Maine ; A. P. Childs, 
Springfield, general agent for Vermont and Massa- 
chusetts; W7T. Crenshaw, Atlanta, general agent 
for Georgia and Alabama; W. L. Seddon, Rich- 
mond, general agent for Virginia ; James Robert- 
son, Charleston, general agent for South Carolina. 

Hartford Steam Boiler Insp. and Ins. 
Co.. Hartford, Conn. — Managers: C. E. Roberts, 
Boston. Mass., for Massachusetts. Rhode Island, 
New Hampshire and Maine; L. B. Perkins, Spring- 
field, Mass., for Connecticut and Massachusetts ; 
W. G. Linpbur^h & Son, Bridgeport, Conn., for 
Connecticut; Theodore H. Babcock, New York, for 
Vermont. New Jersey and New York; Corbin & 
Goodrich, Philadelphia, for New Jersey and Penn- 
sylvania ; Lawford & McKim, Baltimore, for Dis- 
trict of Columbia. West Virginia and Maryland; W. 
S. Hastie ft Son, Charleston, for North and South 
Carolina, Georgia and Florida ; R. F. Manly. Bir- 
mingham, for Alabama ; George P. Burwell, Cleve- 
lano, for Ohio. Pennsylvania and West Virginia ; 
H. D. P. Bigelow. Chicago, for Illinois, Indiana, 
Ohio, Kentucky, Michigan. Wisconsin, Minnesota, 
Sooth Dakota. Nebraska and Iowa; C. C. Gardiner, 
St. Louis, for Missouri, Kentucky, Kansas. Texas 



and Tennessee ; Zollars ft McGrew, Denver, lor 
Colorado and Wyoming; Mann & Wilson, San 
Francisco, for Oregon and California ; A. S. Ferry, 
Hartford, Conn., general agent. Th*t company 
operates in all States except Virginia. Mississippi. 
Louisiana, Arkansas, Washington, Montana and 
Nevada. 

Metropolitan Plate Glass, New York.— 
Wm. G. Whitney, Boston. Mass.; Silas Cbapoaan, 
Jr.. Hartford. Conn.; Addison H. White ft Co.. 
Providence, R. 1.; Wm. T. Plume. Newark, N. J.; 
Wm. C. O. Neilllfhaad^Ma, Pa.; AUmaod ft 
Gallagher. Baltimoj^; Md*; B. J. Richardson ft 
Sons, Baltimore, Md.; Lnwlft Gansel. Cincinnat], 
O.; Geo. H. Olmsted ft Co.. Cleveland. O.; F. J. 
Macklin, Columbus, O.; Francis O. Davenp-^rt. 
Detroit, Mich.; John P. Campbell, Chicago. HI.; 
S. S. Eaton, St. Paul, Minn.; D. S. Harriman. 
Kansas City, Mo.; Mann ft Wilson, San Francisco. 
CaL; Payne ft Berry, Frankfort, Ky.; Theobald ft 
Young, Louisville, Ky.; Henxy Scnachte. Charles- 
ton, S. C; Peter F. Pescud, New Orleans; Alex- 
ander Metzger, Indianapolis, Ind. 

Mutual Plate Glass Insurance Associa- 
tion, Shelby. O.— The company operates only in 
Ohio, with Henry Wentz as general manager of 
field work. 

Northwestern Live Stock, Des Moines, 
la.— Special agents '. J. W. Reed. E. A. Westao. 
M. O'Loughlin-. John A. Seaton and C. B. AUison. 
in Iowa ; J. J. Walton, J. W. Reed and C. E. 
AlUson, in Wisconsin; J. W. Reed, J. E. Fagen. 
F. W. Russell and J. J. W^alton, in lUinois ; J. E. 
Seaton and J. W. Reed, in Minnesota. The com- 

my operates in Iowa, Illinois, Mmnesou and 

Wisconsin. 

Pacific Mutual Life, San Francisco, Cal.— 
General agents: C. H. M. y'Agramonte, city of 
Mexico, for Mexico; Brown ft Moses, New Orleans. 
La., for Texas, Louisiana and Mississippi ; Herrick 
ft Armstrong, Chicago, lU., for Illinois. Iowa, Indi- 
ana and Michigan ; Jackson ft Hunn, Denver, CoL. 
for Colorado. Nebraska and New Mexico; Baker ft 
Motley, Kansas City, Mo., tor Missouri and Kan- 
sas; J. M. Crane. Cleveland, O., for Ohio and 
West Virginia; W. B. Richards ft Co.. Helena. 
Mont., for Montana and Idaho; Shaw ft Williams, 
Louisville. Ky.. for Kentucky and Tennessee ; F. 
W. Voogt ft Bro., San Frandsco (accident depart- 
ment), for Pacific Coast; B. F. Wiisht ft Co.. St. 
Paul, for Minnesota. State agents : Burke ft Ma- 
her, Milwaukee, for Wisoonsm ; A. D. Lundy ft 
Co.. Williamsport, for Pennsylvania. District 
agent : J. V. Vickers, Tombstone, Aris. 



pan 



*' Going to" involves two risks— one, of actual death; the other, of uniosnrability. If 
either of theso comes to you, one is exactly as fatal as the other, as respects carrying out your 
iotentioo. Each one of us is born with some seeds of disorder and acquires others ; within 
us may lie the seeds of twenty disorders, any of them equal to our takiog-ofi and sure to pro- 
duce that unless some other one cuts ofif the time or some external cause intervenes. While 
we are busy these germs are busy too. What is going on under our skins nobody knows, 
until the *' symptoms" tell, and when the symptoms appear there is danger of their telling too 
much and too plainly. Your family is long-lived, may be, but that is no warrant for delay. 
There is a day up to which the rejection symptoms do not appear, and a day when they do. 
You may cease to be insurable, and still may live many years ; but as soon as you are unin- 
surable you are dead, as far as insurance goes. "Going to " thus involves the double risk of 
dying, either physically or insurably, while you are getting ready, and you have no guaranty 
of a single day more in respect to either. Can your family afford to take this risk any better 
than the other? 



Premium Rates. 



Comparative Tables Showing Rates Charged for 
Different Forms of Insurance.* 



The following tables, showing the rates charged by the American Life Insurance 
Companies for the various forms of insurance in general use, have been compiled with 
great care by an expert life insurance statistician, especially for the publishers. Per- 
sons familiar with compilations of this kind will readily understand the amount of labor 
bestowed upon these tables. The companies, at om solicitation, furnished us with 
their rate books, and from these the comparative tables were made. When they were 
in type proofs weie sent to the companies and returned to us with approval, or with 
such corrections as were necessary. As a consequence, these tables can be accepted 
as accurate and trustworthy. 

Never before have the rates of premium charged by the American companies been 
presented in comparative form, although there have been frequent inquiries for such 
compilation. The tables here given show the rates charged for Whole Life, Continuous 
and Limited Payments, ages 20 to 60 five year periods; Ordinary Life, Continuous 
Payment, ages 20 to 60, year by year ; for l^ndowment Insurance ; for Term Insurance ; 
for Annuities; single premium for Whole Life and Industrial Insurance. Special 
features of Life Insurance are treated of separately under the headings Investment 
Insurance, Term Insurance, and Joint Life or Partnership Insurance. The various 
special forms of policies issued by the different companies are described in a brief and 
comprehensive manner. Under the heading of Tontine Estimates and Results, actual 
results achieved by Tontine policies are given, and estimates as approved are presented, 
showing what such policies are likely to realize in the future. These are based upon 
actual experiences, and while not guaranteed by the companies in all instances, their 
use by agents is countenanced. The Tontine tables are given for the four leading com- 
panies that transact that kind of business. While these tables are printed for the use 
of the agents of the respective companies they have not heretofore been available to 
competitors, or to the great army of agents in the field. 

The series of tables here referred to cannot but be of great value to the managers of 
life insurance companies and to their representatives in the field, enabling them to 
ascertain at a glance the rates charged by all companies for the different forms of 
policies. 

* For the greater conreaience of agents, Thb Spbctatok Company has issued these tables in compact pocket- 
book form, tmder the title of ** Handy Guide to Rates, Applications and Policies of American Life Insurance Com- 
panies." In addition to the tables the work contains a copy in full of one form of policy issued by each company, the 
varrants contained in the application, and a description of all other forms of policy issued by each company besides 
(he one printed. Fifty companies-^1 there are in the country^are thus represented by their policies, and these in- 
clude neaxiy ereiy form issued, from the ordinary life to various forms of Tontine policies. It makes a work of aoS 
pages, b printed on thin, fine paper, and handsomely bound in flexible leather covers. 



154 



PREMIUM RATES— ORDINARY WHOLE LIFE. 



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**a*<2 



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s 

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PREMIUM RATES— NET. 



157 



Net Premiums, Combined Experience, Four per 
Cent, per $1000 of Insurance. 



Agb. 



as 
30 
35- 
40. 

45 
50 

55 
60 



Single 
Premium. 



251.92 
276.83 
306.17 
340-60 
381.04 

438.57 
481.91 

539-31 
599-43 



Whole 
Life. 



ia95 
14.73 
16.97 
19.87 
33.68 
38.85 

35.7« 
45.03 
57.56 



Ten- 
Payment 
Life. 



$ 
30.81 

33-94 
37.66 
43.06 

47-33 
5386 
61.74 
71.14 
83.68 



Twenty- 
Payment 
Lite. 



$ 
19.00 

3Z.00 

23.39 
3633 
39.98 

34-77 

41.03 

49.24 
60.49 



Ten 
Yean 
Endow- 
ment. 



8387 
84.15 
84.54 
85-03 
8576 
87.30 
89.66 
93.45 
99.47 



Fifteen 
Yean 

Endow- 
ment. 



53.37 
5262 
S3-08 
53-79 
54-77 
56.70 
59.86 
64.80 
7264 



Twenty 
Yean 

Endow- 
ment. 



$ 
36.97 

37.38 

37.95 

38.80 

4023 

43.68 

46.65 

5284 



Twenty- 
five Yean 

Eodow- 
ment. 



$ 
38.19 

38.68 

39.40 

30.52 

3*35 

35.42 

40.27 



Thirty 
Yeatt 
Endow- 
ment. 



2329 
24.21 
25.63 
2792 
31.63 



Net Premiums, American Experience, Four and 
One-Half per Cent, per $1000 of Insurance. 



Agb. 



as 

3° 
35 
40 
45 
50 
55 
60 



Premittm. 



317.45 
237.64 
262.61 

393 35 
3309s 
376.35 
43004 

49093 
556.99 



Whole 
Ufe. 



$ 

11.97 

13-43 
I5.3» 
17.88 
21.30 
25.99 
32.49 
41.53 
54-14 



Ten- 
Payment 
Life. 



27.17 
2973 
32.92 
36.87 
41-79 
4790 
5557 
65.10 
77.08 



Twenty 

Payment 

Life. 



17.07 
18.71 
20.78 
33-39 
26.75 
31-15 
37.07 
45.19 
56.61 



Ten 
Yean 
Endow- 
ment. 



81.90 
82.05 
83.28 
82.63 
83.30 
84.22 
86.15 
89.54 
95-33 



Fifteen 
Yean 
Endow* 
mcnt. 



50.54 
50.74 
51.03 

51.50 
53.29 
53.73 
56.35 
60.91 
68.60 



Twenty 
Yean 

Endow- 
ment. 



$ 
35-43 

3567 

36.05 

36.67 

3775 

3970 

43.14 

48.99 

58.57 



Twenty- 

fiTe Yean 

t ndow- 



$ 
26.80 

27.IZ 

27.60 

28.43 

29.88 

33.43 

36.78 

43.90 



Thirty 
Yean 
Endow^ 
ment. 



$ 

21.41 
21.81 
22.46 
3356 
3545 
28.65 
33.88 



16S 



RATES OF PREMIUM — ^WHOLE LIFE. 



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CI cocococococoAcococococococococSci cococococococococo 



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RATES OF PREMIUM — WHOLE LIFE. 



159 



CO CO CO CO to c*! ^ *n CO CO '^ CO CO ft CO 



coeoiowtoaoco 



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160 



RATES OF PREMIUM— WHOLE LIFE. 









tm%t 






8 






, -'in 

XXVUIfMO 



'9iiaaii[«j 
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RATES OF PREMIUM — ENDOWMENTS. 



161 



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RATES OF PREMIUM— ENDOWMENTS. 



163 



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164 



RATES OF PREMIUM — ENDOWMENTS. 



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RATES OF PREMIUM— ENDOWMENTS. 



165 



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166 



TERM INSURANCE. 



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168 



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169 



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170 



TERM INSURANCE. 



10 



a 



a 

X 

B 

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H 

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M 
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^«n8 cov8^3'co R 

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359 



3,i 









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§§§§§§§§§§§§§§§ 




Table of Annuity Rates. 







CoiT or AwNurrr or $xoo 


rxB Annum, 


For $1000 TMB Following Sitms 






Payable by Company. 


WILL BB 


Paid by Company. 




Age 














NAME OF COMPANY. 


Last 
Birth- 




























d.y. 


















YtMly, 


Half-Yeaily, 


Qaaiterly, 


Yearly. 


Half. 


Quar- 






$100. 


$SO. 


$>5. 


Yearly. 


terly. 


Mutual, New York 


35 


$1,604.00 


$1,629.00 


$1,642.00 


*g:P 


$30.70 


*ii.li 




40 


1,50700 


1.532.00 


1.54S-00 
z.448.00 


32.64 




45 


1.4Z0.00 


1.435.00 


70.93 


38. 11 


ll:U 




50 


1.287.00 


Z.312 00 


z.324.00 


77.70 




11 


1,130.00 


1,155.00 


z. 167.00 


88.50 


4329 


^:S 




976.00 
881.00 


T.OOZ.OO 


z, 01^.00 
918.00 


Z02.46 


49.95 




65 


906.00 


11351 


55.19 


27.23 




70 


2i:S 


770.00 
633.00 


783.00 
645.00 


134.23 
164.47 
197.63 


^94 


38.76 




506.00 


531.00 


54400 


94.16 


4596 


Mutual Benefit 


SO 


1.353.50 
I 216 55 


1.379.8a 




73.88 


3623 




•*•*••*•■•• M^%^mm%0m^%m •«■•••••••• 






g 


1,24287 





82.30 


Ts'd 


.... 




1,068.2a 


1*094.54 




93-62 


■ .. • 




65 


915.98 


943.30 




109.17 


tsf 


.... 




70 


769.16 


795-48 




130.01 


.... 




75 


636.19 


66a.5i 




157.18 


7547 
92.60 


.... 




80 


513.64 
400.78 


53996 




194.69 


.... 




85 


427.10 




24951 


117.07 






90 


301.82 


328.14 




3313a 


152.37 





New York 


40 


Mi.489.80 
F 1.537.30 
M1.3S3.40 


1.514.80 
1.562.30 


1.527.30 
1.574-80 


67.12 
6505 


33.01 
32.00 


16.J7 
1587 






45 


1,408.40 


1,420.90 


72.29 


35-50 


1759 






Fi,43a.70 


1,457.70 


1,470.20 


69.80 


34-30 


17.00 




SO 


M 1,254.90 


1.279.90 


1.292.40 


79.69 


39.06 


\t:n 






F 1.309.00 


1.334-00 


1.346.50 


76.39 


4^:^ 




55 


^^ 1,120.40 


1.145 40 
1. 198.30 


1,15790 

z,2zo.8o 


89-25 


21.59 






f 1,173 30 


85.23 
102.50 


41.7a 


20.64 




60 


M 975.00 


z, 000.00 


Z.OI2.50 


50.00 


24.69 






F 1,041.20 


z, 066. 20 


z,o78.70 


96.0A 
Z20.58 


46.89 


3? 




65 


F ^t 
V 900.60 


854.30 
925.60 


866.80 


58.52 






938.10 


111.04 
140.86 


U:^ 


26.65 




70 


M 709.90 


788.30 

641.30 


• 747.40 


33.45 




75 


F 763.20 
M 616.30 
F 648.60 
M 5^3.10 


800.70 

686.10 
580.60 


162.26 


63-43 
77.96 


31.22 
38.23 




80 


^;S 


154.18 
184.13 


Ull 


36.43 
43.06 






F 562.00 


587.00 


599 SO 


17794 


85.18 


41.70 


Equitable. New York 


20 


M 1,740. 10 


1.765.10 


1.77760 












f 1.79950 


1.824.50 
1.731 60 
1,781.80 

1,677.30 
z, 722.60 


1.837.00 


.... 


.... 


.... 




25 


Mz,7o6.6o 


1,744.10 


.... 


.... 


.... 




30 


F 1,756.80 
M 1,652 30 
F 1,697.60 


1,73510 


.... 


•-.. 


.... 




35 


M1.57S.90 


1,600.90 


1,000.60 


.... 


.... 


.... 






F 1,623. 10 


z,648.io 




.... 


.... 




40 


Mi.489.80 


1.514.80 


1.527.30 
1.574-80 


67.12 


33.0Z 


16.37 
1587 






Fi.5|7.30 
Mi,383.40 


z.562.30 


65.05 


32.00 




45 


z,4o8.40 


1.420.90 


72.29 


35-50 


17.59 






f 1.432-70 


1.457.70 


1.470.20 


6980 


34.30 


17.00 




SO 


Mi, 254. 90 


1.27990 


1,292.40 


79.69 


39.06 


\m 






F 1.309.00 


1.334.00 


1.346.50 


7639 


37.48 
43.65 




55 


Ml, 120.40 


1. 145.40 
1.19830 


1. 157.90 


89.25 


31.59 
20.64 






F 1.173.30 


1,210.80 


85.23 


4172 




60 


M 975.00 


1,000.00 


1,012.50 


Z02.56 


50.00 


24-69 






F 1,041.20 


1,066.20 


1,078.70 


96.01 
120.58 


4689 


tU 




65 


M 829.30 
F 900.60 


85430 
925.60 


866.80 


58.52 






938.10 


111 04 


54.02 


3665 



*For ages over 60 the rates are the same as for age 80. 



172 



TABLE OF ANNUITY RATES. 



TABLE OF ANNUITY KATES—GmHnued, 



NAME OF COMANY. 



Equitable— Co»^ . 



Home. 



Penn Mutual . 



Piresbyterian Min. Fundt. . 



Washington. 



Age 
Last 
Birth- 
day. 



70 

75 
80 



40 
45 
50 

il 
65 
70 
75 
•80 



45 
50 

65 
70 
75 
80 



40 
45 
50 

il 

6s 
70 

75 



50 

65 
70 

80 

85 
90 



Cost op Annuity op $100 per Annum, 
Payable by Company. 



Yeaily, 
fxoo. 



M 709.90 

F 76320 

M 616.30 

" 648.60 

|.I0 
LOO 



F 
M 

F 



543-3 
56a.< 



1.516.84 
1,427.28 
1,315.62 
1. 185.61 
1,040.32 
885.42 

609.46 
545 49 



1.55860 

1,422.00 

z. 248.60 

1.06780 

917.90 

758.20 

605.10 

493.60 

1.526.38 

1.415.70 
1,284.80 
1,120.40 

693.75 
527.40 

1,415.60 

1,242.95 

1,002.96 

913.78 

730.02 

57699 
460.10 

342.66 
9^79 



HaM^-Yearly, 

$50. 



675.60 
568.10 

587.00 



I.54I.84 

1,452 a8 

1,340.62 

1. 210.61 

1.065.3a 

910.42 

77041 

63446 

570.49 



1,58620 
1,449.70 
1,276.20 
1.095.40 

786.40 
634.00 
523.10 



1,55138 
1.440.70 
1,30980 
1,145.40 
z, 000.00 

833.39 
719.00 
55300 



z,440.6o 

1.267.95 
1,087.96 
938.78 
763.02 
601.29 
48510 
367.66 
290.79 



Quarterly, 
$as. 



747.40 
800.70 
65380 
686.10 
580.60 
59950 



1.554.34 
1,464 78 

1.353-12 
1,223 zi 
1,07782 
922.92 
78291 
646.96 
58299 



1,600.00 

1.463.50 

1,290.00 

1,109.20 

95940 

8oa5o 

648.40 

537.80 



.1.45310 

1,280.45 

1,100.46 

951.28 

775.52 

613.79 

30329 



For Ixooo thb Following Sums 
WILL BB Paid by Compant. 



r«ov1« 


Half. 


early. 


Yearly. 


Z40.86 


68.03 


162.26 


63.43 
77.96 


154.18 
18413 


SSlf 


177.94 


85.18 


6593 
70.00 


32.43 


34-43 


76.01 


37.30 


84.34 
90.12 


41.30 
46.93 


112.94 


54-92 


M 


$J:1? 


183.32 


87-64 


64.16 


3152 


70.32 


34-49 
39.18 


8ao9 


93-65 
108.94 


Jl:^ 


K 


n 


202.60 


95.59 


65.50 


32.69 


70.64 


34.76 


77.83 


43.65 


89.25 


102.56 


00,00 


123.70 


144.00 


70.00 


190.00 


90.00 


S:$S 


34.71 


45^96 


94.07 


109.43 


53.26 


135.49 


55.53 


173.52 


83.15 


217.34 
291.83 


10307 
136.00 


376.25 


17195 



Quar- 
terly. 



3345 
31.2a 

38-23 

4306 
41.70 



16.08 
17.C7 
1848 
2044 
23.19 
27.09 



156a 
17.08 
19.38 
22.53 
26.05 

31-23 



17.20 

I9.S» 
2273 
26.98 
32.24 
40.73 
50.24 

65.76 
8a.43 



* For agM over 80 the rates are the same as for age 80. 



In all cases age u taken at nearest birthday. 



Single Premiums per $1000 of Insurance, Whole 

Life Policies, 



NAME or COMPANY. 



Presbyterian Ministen Fnad. 
Mutnal, New York 



New England 

NcwYoii 



Mntual Benefit.. 
State Mntna].... 



Connecticut Mutual. 
Penn Mutual 



Union Mutual 

United States. New York. 



Mtasi 

Manhattan. 



National, Vermont.. 
Phcenix Mutual.... 



Massachusetts . 
Berkshire , 



Covenant Mutual. . . . 
Connecticut General. 



Northwestern.... 
German Mutual. 



Equitable. New York.. 
Washington 



Home 

Germania. 



John Hancock. 
Brooklyn 



Provident Life and Trust. 
Maryland ...........■•••< 



Mutual, Kentucky. 
Travelers 



Equitable, Des Moines. 
Union Central 



Michigan Mutual. 
Pacific Mutual...., 



Vermont , 

Mutual, Baltimore 

Life Insurance Co. of Va. . . 
Prudential 



Life Indemnity and Invest. . . 
Impel ialf 



Royal Union. 
Bankers 



Peoples Industrial 

Commercial Alliance *. 



AGBS at I98UB. 



(•) 



277.10 

373.54 
307*90 

n 
265.17 



296.05 
294.00 



(•) 

a9i.37 

28356 
ta53-7o 

287.18 



a93-35 
29984 

300.00 



296.05 
t29o!66 

314-64 

r')' 



SS 



$ 

332-30 

350.46 

323-75 
304.50 

398.20 
332.15 



326.1 



58 



326.58 

331.84 

n 

314.50 
318.30 

326.60 

(•) 

325.41 
320.80 



a 



35* 



35256 

(•) 
356.46 

320.52 



315.97 
1277.25 

326.58 

326.58 



325.41 

29a 66 

356.00 
314.64 



(*) 



SO 



$ 

365.30 

(*) 
393-91 



428.14 
367.35 

(•) 
359.05 

322.28 
35905 

346.79 
352.10 

360.02 
354.50 

(*) 
393.91 

38.89 

(*) 
393-92 

353.10 



348.38 
'306.40 

348.38 
359-05 

351-24 
35925 

359.05 



360.03 

359.05 
321.48 

393-00 
349.08 



(•) 



8S 



405.30 

(•) 
440.0a 

392.05 
374.65 

46295 
408.75 

398.34 

358.53 
398.34 

409.41 
(*) 

38466 
391.70 

400.68 

396 05 

(*) 
44002 

428,50 

(•) 
440.03 

390.54 



384.26 
342.25 

384.26 
398.34 

389.05 
392.34 

39834 



400.68 



398 
357 



.63 



440.CO 
390.07 



(*) 



40 



$ 
45340 

496.41 

430.19 
419.15 

503.14 
457.25 

. (•) 
445-55 

401.10 
445.55 

^f 

420.14 
438-30 

-ff 

448.49 
446.75 

496.41 
474-78 

496.43 

435-41 



424-23 
386.10 

42423 
44555 

435.81 
445-55 

445-55 



448.49 

445.55 
400.10 

496.00 
438.15 



(*) 



4S 



$ 
510.50 

504.51 

475.44 
471.45 

5490s 
514.30 

501.69 

451.13 
501.69 

517^73 

481.43 
49285 

501.70 



(•) 



504.81 
508.00 

56451 

^^ 

56453 
485.52 



46903 
439.05 

469.03 
50X.69 

490.67 
504.69 



504.81 

501.69 
450.00 



«o 



$ 

577.10 

645.05 

528.04 
530.10 

6C0.51 
578.30 

567.13 

507.27 
567-13 

540.10 
554.20 

568.19 
580.55 

64505 

585;^5 

<^\ 
64356 

54417 



518.75 
501.70 

518.75 
567-13 

554-61 
567.13 



501.69 567.13 



568.19 

567.13 
506.00 



5S 



564.00 ! 645.00 
493 59 ' 556 20 



n 



(*) 



$ 
651.90 

736.38 
586.76 

593-25 

656.12 
647.90 

640.54 

567.70 
640.54 

6S|^.24 

603.24 
620.15 

636.70 
662.75 

(•) 
736.38 

711.85 
607.94 



572.11 
568.75 

572.11 
640.54 



640.54 
640.54 

636.70 

640.54 
571.67 

73600 
625.07 



732.6i 

827-3$ 

649-56 
659.40 

71385 
719-30 

719.65 

630.98 
719-65 

?)"' 

719.65 
(•) 

708.93 
747-20 

827.3s 

(•) 
779-79 

675.45 



630.60 
641.15 

6a8.A7 
719.* 

703.49 
719-05 

719-65 



708.93 

719.65 
64140 

835.00 



(*) 



* No printed tables. Rates will be furnished for special cases. t Non-partidpsting. 



Surrender 

We endeavored to secure as mach information as possible concerning surrender values, and, as 
prefe r red, for various reasons, not to make public their practice in dealing with surrendeied 
holders are not equitably treated in the event of lapse. The circumstances in each instance are 

SURRENDER VALUES ORDINARY WHOLE 



NAME OF COMPANY. 



Presbyterian Ministers Fund 

Mutual, New York 

New York 

Mutual Benefit 

Connecticut Mutual 

Peon Mutual 

Union Mutual 

United SUtes. New York 

JEtna * 

Manhattan 

National, Vermont ^. 

Phoenix Mutual 

Massachusetts 

Berkshire 

Covenant Mutual , 

Connecticut General , 

Northwestern 

German Mutual. 

EquiUble, New York 

Washington 

Home 

Germania 

John Hancock. 

Brooklyn 

Provident Life and Trust 

Maryland 

Mutual, Kentucky 

Travelers 

Equitable, Iowa , 

Union Central 

Michigan Mutual 

Pacific Mutual 

Vermont 

Mutuil, Baltimore 

Life Insurance Co. of Virginia 

Prudential 

Life Indemnity and Investment 

Imperial 

Royal Union 

Bankers 

Peoples Industrial 

Commercial Alliance 



Age Twkntv-Fivb 



Arrsx Fiva Ybass. 



Cask 
Value. 



3i.ao 



40.58 
ag.oo 
a5-38 
aS.38 



3538 



96.00 
22.00 



40.58 
aa.oo 
32.7s 



Paid-op 

PoUcy 

Itaued for 



X 16.00 

9300 

Z0300 

64.00 

100.00 

99.00 

100.00 



117 00 

99.00 

83.00 

83.00 

103.00 

9096 



83.00 



83.00 
93.00 

103.00 

99.00 

IZ6.00 
09.00 
8393 

6i.ao 
70.40 

ii3a> 
13200 

1039a 

84.00 



Carried 
for 



yrs. days. 



4-95 

3335 
3-336 



J.95 
*3 9 



3-70 



3.2 



5.000 
4-95 





Acs Timrrv 


NAME OF COMPANY. 


Aftbx Fivb Ybass. 




Cadi 
Value. 


Paid-up 

PoHcv 

Isfuedfor 


Insurauice 
earned 

for 


Presbvteriin Ministers Fund 


$ 


$ 
135.00 
Z08.OO 


yrs. days. 


M utual. New York 


• • • • 







^ Yean and months. 



Values. 

will be seen, most of the companies gave the data asked for in whole or part. Other companies 
policies, but it is not to be assumed in cases of omission of any or all of the figures that the policy- 
doubtless taken into consideration and such adjustment made as seems advisable. 

LIFE POLICY PER $1000 OF INSURANCE. 



Ykars at Issub. 



Aftbr Tbn Ybass. 



Cash 
Value. 



90.00 
80.40 



88.ao 
73.00 
72.50 
73.50 



72-So 



88.00 
52.00 



48.85 



88.90 
54.00 
7308 

53.00 



Paid-up 

Policy 
iMued for 



233.00 
190.00 

906.00 
19600 
197.00 
194.00 
190.00 



330.00 
336.00 
31300 
313.00 

306.OO 

i83!38 



166.00 

31300 

187.00 

906.00 
199.00 
339.00 
198.00 
316.28 

Z40.00 
140.80 

320.00 
358.00 

307.60 

184.00 



Iniurance 

Carried 

for 



yrs. days. 



8385 

7.396 
8.50 
8.50 



8.385 
*9.3 



7.4s 



• 7.3 



8.385 



Aftbr Twbnty Ybabs. 



Cash 
Value. 



323.00 

I9S-IS 



209.84 
189.00 

192.96 
193.96 



197.00 

193.96 
309.84 

3IO.0O 
140.00 



131.31 
90^*84 

309.84 
150.00 

181.94 
145.00 



Paid 'Up 

Policv 

Issued for 



453.00 
384-00 

414.00 
433.00 
380.00 
36700 
365.00 



446.00 
463.00 
45000 
450.00 
399.00 

360.41 



333.00 

450.00 

374.00 

414.00 
394.00 
447.00 

47(3.08 

381.60 
416.00 

489.89 

403.88 
378.00 



Insuianoe 

Carried 

for 



yrs. days, 



15.210 

1363 
13.100 
13-101 



15.310 
•15.10 



13.188 



134 



15-210 



Aptbr Thirty Ybars. 



Cash 

Value. 



383.00 
34410 



362.97 
330.00 
345.26 
345-26 



353.00 

345.26 
16397 
363.00 



331.40 



332.23 



Paid-up 

Pohcy 

Issued for 



$ 

616.00 
565.00 

599.00 
63000 

545.00 
500.00 



633.00 
653.00 
640.00 
640.00 



521.81 



640.00 
546.00 
59900 
634.00 
66^.98 

439.40 
570.00 

563.96 



Insurance 

Carried 

for 



yrs. days. 



15.91 

13.361 
12.343 



1591 
•15.10 



Ybabs at Issub. 



Aftbr Tbk Ybar«. 


Aptbr Twenty Ybars. 


Aftbr Thirty Ybars. 


Cash 
Value. 


Paid-up 

Policy*^ 

Ismiedfor 


Insurance 

Carried 

for 


Cash 
Value. 


Paid-up 

Policy 

Issued for 


In surance 

Carried 

for 


Cash 

Value. 


Paid-up 

Policy 

Issued for 


Insurance 

Carried 

for 


$ 


361.00 
217.00 


vrs. days. 


$ 


$ 
49500 
430-00 


yrs. days. 


$ 


$ 
666.00 
615.00 


yrs. days. 



*' Years .and months. 



176 



SURRENDER VALUES— WHOLE LIFE. 



SURRENDER VALUES ORDINARY WHOLE 



NAME OF COMPANY. 



NewYork. 

Mutual Benefit 

Connecticut Mutual 

Penn Mutual 

Union Mutual 

United States, New York , 

i£tna 

Manhattan 

National, Vermont 

Phoenix Mutual 

Massachusetts 

Berkshire 

Covenant Mutual 

Connecticut General -. 

Northwestern 

German Mutual 

Equitable, New York 

Washington 

Home 

Germ a^ia 

John Hancock 

Brooklyn 

Provident Life and Trust 

Maryland 

Mutual, Kentucky 

Travelers 

Equitable, Iowa 

Union Central 

Michigan Mutual 

Pacific Mutual 

Vermont 

Mutual, Baltimore 

Life Insurance Co. of Virginia 

Prudential 

Life Indemnity and Investment 

Imperial 

Royal Union 

Bankers 

Peoples Industrial 

Commercial Alliance 



Acs Tmistt 



ArrsR FivB Ybass. 



Cash 

Value. 



38.60 



33.37 



IS 



97.98 



28.00 



Paid-ap 
Folic 
Ittued 



licy 
id for 



ZI7.00 
84.00 
XII.00 
109.00 
110.00 



199.00 
109.00 
98.00 
98.00 
z 18.00 

IQ4.06 



95.00 

98.00 

706.00 

ZI7.00 
113.00 

Z38.00 

zza.00 
94-93 

64.00 
75-75 

xa4.oo 
14500 

"8 43 
96.00 



iDSonace 

Carried 

for 



yrs. days. 
426Z 

49a 
4133 
4134 

4.96Z 
3.310 



•310 



5.000 

5000 
4.26Z 



NAME OF COMPANY. 



Presbytwian Ministers Fund 

Mutual, NewYork 

NewYork 

Mutual Benefit 

Connecticut Mutual 

Penn Mutual 

Union Mutaal 

United States, New York... 
iEtna 



Acs Thirtv-pivb 



Aptbr Fivb Ybars. 



Cash 
Value. 



48.30 



PaidAip 

Policy 

Issued for 



$ 
Z53.00 
za5.oo 

13400 
zoaoo 
12400 
laz.oo 
zao.oo 



Insanu&ce 

Carried 

for 



yrs. dajs. 



5146 

4a77 
4.298 

4.299 



* Years and montlia. 



SURRENDER VALUES — ^WHOLE LIFE. 



177 



LIFE POLICY PER $1000 OF INSURANCE— 0«/. 



Ybass at Issvs. 



Aftsr Tkn Ybaks. 



Cash 
Value. 



ziz.oo 
99.65 



107.91 
90.00 
90.98 
90.98 



90.98 



Z08.00 
67.00 



61.90 



107.91 
69.00 
92.67 

^.co 



Paid-up 

Policy 

Iwned for 



235.00 
224.00 
218.00 
212.00 
210.00 



254.00 
248.00 
239.00 
239.00 
231.00 

206.63 



187.00 

339.00 

213.00 

33500 
226.00 
254.00 

320.00 
241.87 

14500 
151.50 

241.00 
283.00 

23334 
305.00 



Insuranco 

Carried 

for 



yrs. days. 
9.298 
8.186 
8.236 

9398 

*9.7 



867 



9.298 



Aftbh Twbmty Ybaks. 



Casli 

Value. 



26^.00 

238.45 



253-29 
228.00 

23513 
23513 



242.00 

235.13 
25329 

253.00 
177.00 



151-37 

253-29 
253-29 
189.00 
227.05 

181.00 



Paid-up 

Policy 

I&sued for 



$ 

45900 
474-00 
413.00 
39400 
395.00 



48700 

488.00 
488.00 
435.00 

399-61 



352.00 

48800 

4T7.00 

45900 

488.00 

51883 

373-00 
303.00 

446.00 

52J.00 

440.00 

407.00 



Insurance 

Carried 

for 



yrs. days. 
14.178 

12.72 

12.53 
1254 



14.178 
*I4.6 



12.267 



•12.7 



14.178 



ApTBs Thirty Ybars. 



Cash 

Value. 



443.00 
40470 



422.68 
38500 
404.28 
404.28 



418.00 

404.29 
432.68 
43300 



366.06 



399-22 



Paid-up 

Policy 

Issued for 



643.00 
670.00 

595*00 
530.00 



668.00 
685.00 
674.00 
674.00 



563.13 



674.00 
591.00 
643.00 
673.00 
707.82 

454-50 
596.0) 

597.29 



Insurance 

Carried 

tor 



yrs. days. 



13 



12, 
II 



314 
20 



?3 



-3J 
13.8 



31 



Ybau at Issue. 



Aftbr Tbn Ybass. 


Aptbs Twbnty Years. 




Cash 

Value. 


Paid-up 

Policy 

Issued for 


Insurance 

Carried 

for 


Cash 

Value. 


Paid-up 

Policy 

Ittued for 


Insurance 

Carried 

for 


Ca«h 

Value. 


Paid-up 

Policy 

Issued for 


Insurance 

Carried 

tor 


$ 

136.00 
124.80 


$ 
292.00 
248.00 

266.10 
254.00 
243.00 
233.00 
230.00 


yrs. days. 

10.46 

8.183 
8.184 


$ 
i5§ 


$ 
534.00 
470.00 

502.00 
516.00 
443.00 
410.00 
420.00 


yrs. days. 

12.319 

10.321 
10.263 
10.264 


$ 


00 
.10 


711.00 
662.00 

682.00 
706.00 

637.CO 
550.00 


yrs. days. 


10328 

10.338 
' 9.66 



* Years and months. 



178 



SURRENDER VALUES— WHOLE LIFE. 



SURRENDER VALUES ORDINARY WHOLE 




Acs Tmmr-FiTE 


NAME OF COMPANY. 


Arrma Fivk Ykabs. 




Cash 
Value. 


PaidHip 

PoUcy 

Issued lor 


Insarance 

Carried 

far 


Manhattan. ........TT,r-rr.,... -»......,. 


$ 

6i*34 
44.00 

43-53 
4353 

4353 

43.C0 
36.00 

35*65 

6J-34 
36.00 
S3-30 

36.00 


$ 

145.00 
121.00 
114.00 
114.00 
13300 

Ii8.6a 
107.00 
114.00 

Z22.00 

13400 
Z29.OO 
144.00 
126.00 
106.87 

69.00 
81.95 

1^.00 
160.00 

13396 

ZIO.OO 


yrs. days. 


National. Vermont ■ 


5-146 


Phoenix Mutual '. r ................ . 


Massachusetts • 


Berkshire 




C<^venant Mutual ...^ 


4.179 


Connecticut General 


Northwestern 




German Mutual 




Equitable, New York 




Washington 




Home 




Germania , 




John Hancock. ---r, -».... ...,^^... 




Brooklyn 




Provident Life and Trust 




Maryland ..,.t--.. ,,..... .^.. t...... x...*. 




Mutual, Kentucky , , 




Travelers 


•4.6 


Equitable, Iowa 


Union Central 




Michigan Mutual 




Pacific Mutual 

Vermont 


.... 


Mutual, Baltimore 


5.000 


Life Insurance Co. of Virginia 


Prudential 




Life Indemnity and Investment 


5-146 


Imperial 


Royal Union 




Bankers 




Peoples Industrial 


.... 


Commercial Alliance 











Ac« Forty 


NAME OF COMPANY. 






Cash 
Value. 


Paid-up 

Pbhcy 

Issued for 


InsuraDce 

earned 

lor 


Presbyterian Ministers Fund. -.-. 


$ 

.... 

61.25 

76'79 
55.00 
57.07 
57.07 


16900 
143.00 

153.00 
124.00 
Z40.00 
134.00 
130.00 

i63!oo 
136.00 
133.00 
133.00 
149.00 


yrs. days. 


Mutual, New York 


.... 


New York 


.... 


Mutual Benefit , 


5.393 


Connecticut Mutual. 


Penn Mutual .........^... 


4333 
4.333 
4.333 


Union Mutual ', 


UnitedStates. New York 


iCtna....... , 


Manhattan ...... 


.... 


National. Vermont 


^.^ 


Phoenix Mutual ... ... 


M assachusetts 


Berkshire 




Covenant Mutual 


4.340 


Connecticut General 







^ Years and months. 



SURRENDER VALUES — WHOLE LIFE. 



179 



LIFE POLICY PER $1000 OF INSURANCE.— On/. 



Ybabs at Issue. 



After Ten Years. 




ArrsB Thirty Years. 


Cash 

Value. 


Paid-up 

Policy 

iMued for 


lotunnce 

Carried 

for 


Cash 
Value. 


Paid-up 

Policy 

Issued for 


Insurance 

Carried 

for 


Cash 
Value. 


Paid-up 

Policy 

Inued for 


Insurance 

Carried 

for 


$ 


$ 


yrs. days. 


$ 


$ 


yrs. days. 


$ 


$ 


yrs. days. 


133.41 
moo 
114.90 
XI4.90 


284 CO 

268.00 
258.00 


10.46 
•9.5 


301.35 
271.00 
281.92 
281.92 


:88888 


12.319 
•12.10 

• •• . 
11.148 


484.64 
465.86 


694.00 
715-00 
706.00 
706.00 


10.328 
•11.7 


.... 


232.65 


.... 


.... 


439.13 


.... 


.... 


600.41 


.... 


.ill 


308.00 


• •■> 


295.OT 


380.00 


.... 


487.00 




.... 


114.90 


268.CO 


• ••■ 


281.92 


523.00 


.... 


465.86 


Tois.oo 





.... 


241.00 


.... 


301.35 


463.00 


.... 


484-64 


63400 





13^.00 
8600 


200.00 
254.00 
28400 
24400 
268.65 


*8.8 


30I.OD 
221.00 


502.00 
474.00 
526.00 

559.74 


•ii:; 


48500 


682.00 
69i.oi 
742-72 


.... 


78.42 


155.00 
163.90 


I0.009 


i86'.40 


386.00 
327.80 


30.000 


313-24 


49170 


30.000 


1^-41 
91.00 

117.45 


264.C0 
3"oo 

26006 


xa46 


301.35 
301.35 
235.00 

27959 


47300 
558.00 

47459 


I2*.3i9 


46991 


619.00 
626.13 


.... 


86.00 


234.00 


.... 


321.00 


45300 


V... 





'.'.'.'. 


.... 



Yraks at Issue. 



After Ten Years. 


After Twenty Years. 


After Thirty Years. 


Cash 
Value. 


Paid-up 

PoUcy 

Issued for 


Ittsursnoe 

Carried 

for 


Cash 

Value. 


Paid-up 

Policy 

Issued for 


Insurance 

Carried 

for 


Cash 
Value. 


Paid-up 

Policy 

Issued for 


Insurance 

Carried 

for 


4 
$ 

X65I00 
154.20 

J&.97 
136.00 
142.61 
Z42.61 


$ 
324.00 
280.00 

267.00 
254.00 
250.00 

3'4.» 
299.00 
296.00 
296 00 
284.00 


yrs. days. 

9-235 

7-343 
7.317 
7.318 

8.153 


$ 

352.84 
317.00 
332.21 
332.21 


$ 
570.00 
521.00 

543oi 
552.00 
471.00 
441.00 
440.00 

558.oi 
56200 
554.00 
554.00 
498.00 


yrs. days. 

10.362 

9-133 
948 

9.48 
10.362 

*II.O 

9.272 


a • • . 

562.00 
530.55 

545.32 
496.00 
52653 
526.53 


$ 

752.00 
705.00 

716.00 
734.00 

O79 00 
570.00 

71300 
740.00 
73300 
733.00 


yrs. diys. 

9-73 
7-157 



*Years and months. 



180 



SURRENDER VALUES— WHOLE LIFE. 



SURRENDER VALUES ORDINARY WHOLE 



NAME OF COMPANY. 



Northwestern 

German Mutual 

Equitable, New York 

Washington 

Home 

Germania 

John Hancock 

Brooklyn 

Provident Life and Trust 

Maryland 

Mutual, Kentucky 

Travelers 

Equitable, Iowa 

Union Central 

Michigan Mutual 

Pacific Mutual 

Vermont 

Mutual, Baltimore 

Life Insurance Co. of Virginia. 

Prudential 

Life Indemnity and Investment 

Imperial 

Royal Union 

Bankers 

Peoples Industrial 

Commercial Alliance 



Acs Foarr 



Arrsx Fivk Ykaks. 



Cash 

Value. 



57.07 



45-43 



76. 
4B. 
76. 



47.00 



Paid-up 

Policy 

luued for 



13442 
zaooo 

13300 
139.00 

153.00 
14700 
103.00 
141.00 
"9-53 

78.00 
89.25 

152.00 
179.00 

150.36 

Z84.00 



' Insurance 

Carried 

for 



yrs. days. 



293 



NAME OF COMPANY. 



Presbyterian Ministers 
Mutual, New York . . . 

NewYork 

Mutual Benefit 

Connecticut Mutual . . 

Penn Mutual 

Union Mutual 

United States 

Mtna. 

Manhattan 

National, Vermont. . . . 

Phoenix Mutual 

Massachusetts 

Berkshire 

Covenant Mutual .... 
Connecticut General. . 

Northwestern 

German Mutual 

Equiuble, New York. 

Washington 

Home 

Germania 

John Hancock 

Brooklyn 



Acs FoRTY-FIVt 



Aftsr Fivb Ybars. 



Cash 
Value. 



75.20 



93-34 
67.00 
71.29 
71.39 



71.29 



Paid-up 

Policy 

Issued for 



$ 
187.00 
163.00 

173.00 
142.00 
153.00 
145.00 
140.00 



180.00 
144.00 
148.00. 
14800 
165.00 

151.52 



13300 
148.00 



Insurance 

Carried 

for 



yrs. d&>s. 



5.250 

4.2i# 
4.196 
4197 



5-250 
•44 



4.33s 



* Years and moaths. 



SURRENDER VALUES— WHOLE LIFE. 



ISl 



LIFE POLICY PER $1000 OF INSURANCE— Gw/. 



Ykabs at Issuv. 



Ama Tm Ybass. 


AFTax TwaKTY Ybaks. 


Arraa Thikty Ybabs. 


Cash 
Value. 


Paid-up 

Policy 

Iiiuedfor 


lararanoe 

Canied 

for 


Cash 
Value. 


PaidHip 

Policy 

I»u«d for 


luurance 

Carried 

for 


Cash 

Value. 


Paid-up 

Policy 

Issued for 


Insurance 

Carried 

for 


$ 

X42.6X 

1^00 
XO9.00 

98.86 

169.97 
XX6.00 
X48.XX 

XO9.00 


260.66 

230.00 

296.00 

97900 

908.00 
983.00 
314.00 
269.00 
296.17 

X79.00 
178.50 

287.00 
338.00 

287.00 
a54.~ 


yrs. days. 

•8-5 

ZO.000 
9.a3S 

• •• • 


$ 

352.00 

3^.« 

35a'.84 

3S3*.~ 
969.00 

995.97 

337.85 
970.00 


i 
476.57 

408.00 

554.00 

500.00 

543.00 
510^00 
56X.00 

S97.01 

407.00 
357.00 

^•~ 
588.00 

505.48 
50X.00 


yrs. days. 
•9.8 

90.000 
ZO.369 


$ 

55600 

I. '. '. 
526.53 

S45.3a 
545.00 

404.87 
540*45 


632-33 

733-00 
674.00 
7x6.00 
689.00 
772*86 

588.^ 
63*8.00 

651'.^ 


yrs. days. 
30.000 



Yiaxs AT Issus. 









Cash 
Value. 


Paid.np 

Policy 

ItwedYor 

• 


Insurance 

Camcd 

for 


Cash 
Value. 


Paip-up 

Policy 

Issued for 


Insuraace 

Carried 

for 


Cash 
Value. 


Paid-up 
Issued for 


Insurance 

Canted 

for 


17 
17 

17 


5.05 

3-79 
2.00 

1-37 
^37 

i.37 


$ 

350.00 
313.00 

399.00 
316.00 
286.00 
969.00 
970.CO 

338.W 
3x8.00 
3x8.00 
3x8.00 
308.00 

288.56 
24900 
3x8.00 


yrs. days. 

8.222 

^7.15 
6333 
6.334 

8.222 
•7.8 

7.914 


419.00 
392.25 

405-30 
364.00 

383.62 

4x3.00 
383-6i 


599.00 
563-00 

579.00 
584.00 
49500 
477.00 
460.00 

588.00 
581.00 
58X.00 
525.00 

5x0.28 
465.00 
58x00 


yrs. days. 

9.19 
7.224 

Q.X9 
*9.2 

7.36^ 


6x5.00 
589.05 

60X.90 
548.00 
583-50 
583.50 

620.00 
583.50 


$ 

XOOO.OO 

742.00 

744.00 
758.00 

70x00 
580.00 

728.00 

762.00 

755.00 
75500 

657.64 

75*5 oi 


yrs. days. 

6*343 

7190 

5305 



. * Years and months. 



182 



SURRENDER VALUES— WHOLE LIKE. 



SURRENDER VALUES ORDINARY WHOLE 



NAME OF COMPANY. 



Profident Life and Trust 

Maryland 

Mutual, Kentucky 

Travelers 

Equitable, Iowa 

Union Central 

Michigan Mutual 

Paafic Mutual 

Vermont 

Mutual, Baltimore 

Life Insurance Co. of Virginia 

Prudential 

Life Indemnity and Investment 

Imperial , 

Royal Union 

Bankers 

Peoples Industrial 

Commercial Alliance 



Agk Fortt-Fivs 



Arraa Fiva Ybams. 



Cash 

Vala«. 



57.6Z 



S9.00 



Paid-up 

Policy 

iMacd for 



$ 
ZS7.00 

Z73.00 
Z6400 
z8o.oo 
Z56.00 
Z3a66 

9Z.00 
98.00 

Z64..00 
Z93.00 

z66'.83 

139.00 



Imnmoe 

Curiod 

for 



yrs. days. 

5.000 
S.250 



NAME OF COMPANY. 



Presbyterian Ministers Fund 

Mutual. New York 

New York 

Mutual Benefit 

Connecticut Mutual 

Penn Mutual 

Union Mutual 

United States. New York. . . 

iEtna , 

Manhattan 

National, Vermont 

Phcenix Mutual 

Massachusetts 

Berkshire 

Covenant Mutual , 

Connecticut General 

Northwestern 

German Mutual 

Equitable. New York 

Washington 

Home 

Germania 

John Hancock , 

Brooklyn 

Provident Life and Trust 

Maryland 

Mutual. Kentucky 

Travelers 

Equitable. Iowa 

Union Central 

Michigan Mutual 



Agx Fifty 



Aftsx Fivb Ykaks. 



Cuh 
Value. 


Paid-up 

Pob'cy 

iMuedfor 


$ 


$ 
204.00 
Z82.00 


90.05 
• • ■ • 


Z9Z.00 
z6o.oo 
Z6400 
154.00 
Z50.00 


zzo,^ 
80.00 

86.06 
86.06 


Z9300 

100.00 

z6o.oo 
17900 


.... 


167.78 


.... 


245.00 


8<5'.^ 


Z60.00 


.... 




85.00 
7500 


zoz.oo 
zSi.oo 

Z93.00 

Z7000 
M4.S3 



Inturaaoe 

Carried 

lor 



yrs. days. 



4.Z7 
3-353 
3.354 



*3-9 



4.Z68 



•4.6 



* Ytin and months. 



SURRENDER VALUES — WHOLE LIFE. 



183 



LIFE POLICY PER $1000 OF INSURANCE— Omi/. 



Ybaks at Issus. 



Arm TwH Ybau. 


APTsa TwBimr Ybabs. 


APTBa Thirty YmAas. 


Cash 

Value. 


Paid-op 


Insurance 

Carried 

for 


Cash 
Value. 


Paid-up 

Policy 

Issued ?or 


Insurance 

Carried 

for 


Cash 

Value. 


PaidHip 

Policy 

Issued for 


Insurance 

Carried 

for 


194.00 
137.00 

122.64 

193.79 
143.00 
183.72 

138.00 


302.00 

329^00 
312.00 
337-00 
293.00 
322.27 

19500 
196.00 

30Nh» 

359.00 

3i"i'.86 
279.00 


yre. days. 

xo.000 
8.222 
• • •• 


405.30 

405^00 
322.00 

266.^ 
405.30 

399.37 
322.00 


S39.00 

579-00 
543-00 
580.00 

629*68 

437*00 
39200 

5x8.00 
6x3.00 

5^.14 
533*00 


yrs. days. 

20.000 

9.19 

• ■•• 


601.90 
602.00 

.... 
404^87 

607.02 


707.00 
744.00 
703.00 
79796 

588.00 
652.00 

670.07 


yrs. days. 
30.000 



YSAKS AT ISSUX. 



Aftrr Teh Ybau. 




Aptbr Thirty Yrars. 


Cash 

Value. 


Paid-up 

Policy 

Issued for 


Insuianee 

Carried 

for 


Cash 

Value. 


Paid-up 

PoUcy 

Issued Tor 


Insurance 

Carried 

for 


Cash 

Value. 


Paid-up 

Policy 

Issued for 


Insurance 

Carried 

for 


231.00 
218.35 

226.8^ 
189.00 
202.21 
202.21 

202.21 

227.00 
168.00 


376.00 
343.00 

357.00 
340.00 
304.00 
284.00 
285.00 

3S9-oi 
337.00 
337.00 
337.00 
328.00 

314.19 
269.00 

337-00 

329.00 

357.00 
336.00 
300.00 
31400 

345.30 


yrs. days. 

y.xoo 

5-357 
5300 
5-30X 

7.100 
♦65 

6.158 

.... 

•6.S 


$ 

468'oo 
444-95 

456.79 
411.00 

43^-34 
434.34 

47300 

434.34 
456.79 

457.00 
376.00 

.... 


J 
633.00 

601.00 

609.00 
610.00 
516.00 
506.00 
480.00 

S98.oi 
6x0.00 
604.00 
604.00 
551.00 

538.86 

513.00 

604.00 

574.00 

6o9«co 
572.00 
571.00 

657.57 


yis. days. 
7.88 
6.x8 

fs 

6.124 

•6;; 


$ 

665.^!) 
643.IS 

654*.~ 

636.45 

684.60 

636.45 
6^4.00 

6s4'.oo 


$ 
1000.00 
779.00 

771.00 
780.00 

* 72500 

7^.00 
781.00 
775-00 
775.00 

683I26 

77S.OO 
74S-io 
771'iio 

744'.a> 
823.83 


yrs. days. 

5*68 
5*350 

5.68 
•5-" 



* Years and months. 



184 



SURRENDER VALUES— WHOLE LIFE. 



SURRENDER VALUES ORDINARY WHOLE 



NAME OF COMPANY. 



Pacific Mutual , 

Vermont 

Mutual, Baltimore 

Life Insurance Co. of Virginia. 

Prudential.. . .^ 

Life Indemnity and Investment 

Imperial 

Royal Union 

Bankers 

Peoples Industrial 

Commercial Alliance 



Age Fiftt 



Arraa Fivs Ysass. 



Cash 
Value. 



71.51 

XIO.79 

7500 
106.83 

75<» 



Paid up 
Policy 
id for 



X08.00 
108.70 

174.00 
aps.oo 

150.00 



Carried 
Utt 



yrs. dajs. 

5.000 

5.38 



NAME OF COMPANY. 



Presbyterian Ministers Fund . . . 

Mutual, New York 

New York 

Mutual Benefit 

Connecticut Mutual 

Penn Mutual 

Union Mutual 

United States. New York 

^tna 

Manhattan , 

National, Vermont 

Pbcenix Mutual , 

Massachusetts , 

Berkshire 

Covenant Mutual 

Connecticut General 

Northwestern 

German Mutual 

Equitable, New York 

Washington 

Home 

Germania 

John Hancock 

Brooklyn 

Provident Life and Trust 

Maryland 

Mutual, Kentucky 

Travelers 

Equitable, Iowa 

Union Central , 

Michigan Mutual 

Pacific Mutual 

Vermont. 

Mutual, Baltimore 

Life Insurance Co. of Virginia. 

Prudential 

Life Indemnity and Investment 

Imperial 

Royal Union 

Bankers 

Peoples Industrial 

Commercial Alliance 



Agb FOTY-nVB 



Arrsa Frva Ykabs. 



Cash 

Value. 



X06.85 



130.51 
94.00 
X03.81 
X08.8X 



ioa.8i 



Paid-up 

Pohcy 

iMoedfor 



$ 
250.00 
900.00 

908.00 
X7200 
175.00 
163.00 
260.00 



907.00 
167.00 
178.00 
179.00 
.193.00 

183.0S 



157.00 



173.00 
X9X.00 



104.00 
93.00 


ao8.oo 
196.00 
307.00 
X83.00 
15539 


86.^ 


150.00 
iai.95 


130*51 
90.00 

199.77 


184.00 
317.00 

194.15 


93.00 


X6500 



Carried 
for 



yrs. days. 



4.106 

3.X60 

3^127 
3.128 



4.106 
•3-a 



3.283 



•3.9 



5.000 



4.106 



* Yean and months. 



SURRENDER VALUES — WHOLE LIFE. 



185 



LIFE POLICY PER $1000 OF INSURANCE— C^if/. 



Ykarb at Issub. 



AmK Tm^ Ybaks. 




ArrsR Thirty Ybars. 


Cash 

Valu«. 


Paid-up 
Policy 


Insonoce 

Gamed 

for 


Cash 

Value. 


Paid-up 

Policy 

Ittued for 


Insunnoe 

Carried 

for 


Cash 
Value. 


Paid-up 

Policy 

iMued for 


Insurance 

Carried 

for 


148.74 

39isl84 
17300 
aaa.74 

168.^ 


206.00 
217.40 

330.00 
378.00 

333-25 
300.00 


yrs. days. 

20.000 

7.100 


307.31 

456^79 
456.79 

377.00 


$ 

475.00 
434-80 

534.00 
635.00 

554.19 
563.00 


yrs. days. 
90.000 
7.88 


449.21 
673.30 


659.90 
663.00 

689*46 
.... 


yrs. days. 
30.000 



Ybajis at Issub. 



Arraa Tsn YaAKS, 



Cash 

Value. 



Paid-up 
Pohcy 
•for 



Insuraace 
Carried 

for 



Armt TwBNTY Ybass. 



Cash 
Value. 



Paid-up 

Policy 

Issued for 



Insurance 

Carried 

for 



ArrBB Thirit Ybars. 



Cash 
Value. 



Paid-up 

Policy 

Issued for 



Insurance 

Carried 

for 



263.00 
954-25 



a6a.3S 
319.00 
335.46 
335-46 



235-46 



369.00 

303.00 



176.53 



269.35 
SO5.OO 
364.19 



500.00 

373-00 

389.00 
358.00 
331.00 
398.00 

3K>.00 



376.00 

355.00 
357.00 

357.00 

347.00 

3^55 



307.00 

357.00 

356.00 

383.00 
359-00 
375.00 

P3.00 
' Aft 

264.00 
243.90 

335.00 
397.00 

352.00 

337.00 



yrs. days. 



5.318 
4.268 



5.318 



5.70 



•5.2 



5.318 



511.00 
495-75 



506 22 

455.00 

4p.39 
483.39 



529.00 

483.39 
50691 

506.00 
428.00 



346.91 

506.2Z 
506.21 
443.00 
5x857 

42900 



$ 

1000.00 

635.00 

635.00 
6a8.oo 
535.00 
528.00 
490.00 

616.00 
631.00 
636.00 
626.00 
583.00 

561.81 



562.03 

626.00 

606.00 

635.^ 
S97-00 
590.00 

681.19 

590.00 
487-80 

548.00 
655.00 

572.44 
58603 



yrs. days. 



S.237 

4.253 



5-237 

*5.xo 



4-335 



•4.11 



5-239 



718.00 
695.25 



704.15 
641.00 

688.07 
688.07 



753.00 



496.16 



74341 



8ao.oo 

8QB.00 
806.00 

74700 



756.00 
800.00 
797.00 
797.00 



709.17 



688.07 


797.00 


704-15 


— 


704-00 


802.00 


.... 


782.00 


.... 


851.54 



731.70 



712.59 



yrs. days. 

3-191 
4.900 



'■^t6 



30.000 



* Years and months. 



186 



SURRENDER VALUES— WHOLE LIFE. 



SURRENDER VALUES ORDINARY WHOLE 



NAME OF COMPAMT. 



Presbyterian Ministers Fund. . . 

Mutual, New Yoric 

New York 

Mutual Benefit 

Connecticut Mutual * . 

Penn Mutual 

Union Mutual 

United States. New York 

iEtna 

Manhattan 

National, Vermont 

Phoenix Mutual 

Massachusetts 

Berkshire 

Covenant Mutual 

Connecticut General 

Northwestern 

German Mutual 

Equitable, New York 

Washington 

Home 

Germania 

John Hancock 

Brooklyn 

Provident Life and Trust 

M aryland 

Mutual, Kentucky 

Travelers 

Equitable, Iowa 

Union Central 

Michigan Mutual 

Pacific Mutual 

Vermont 

Mutual, Baltimore 

Life Insurance Co. of Virginia . 

Prudential 

Life Indemnity and Investment 

Imperial 

Royal Union 

Bankers 

Peoples Industrial 

Commercial Alliance. 



Ao SntTT 



Arm Fivs Yxabs. 



Casli 
Vala«. 



109.00 
Z90.71 

I90.7Z 



190.71 



124.00 

ZII.OO 



103.63 

151.63 

zzo.oo 

154.46 



Paid-up 

Policy 

Issued for 



917.00 
Z77.00 
Z83.00 
Z83.00 
903.00 

197.35 



Z80.00 

Z83.00 
909.00 
933.00 

910.00 
917.CO 
Z94.OO 
Z65.9O 

138.85 
Z94.00 

339.00 
995.8Z 
Z70.00 



yrs. days. 



3.X54 

3.370 
2.356 

9 357 



3-154 
•3.7 



3-7 



•3.00 

5.000 
3.154 



PreibyteriaQ Ministers Fund— No tables published. Surrender values based on American Experience f oar and 
the tontine plan. Manhattan— No cash values except at end of Dividend period. Amounts bemg reserve Com- 
much as legal reserve will purchase at company's rates. Connecticut General— This company does not make 
antee of paid-up values as per |>rovbionsof chapter 347, laws of Sute of New York, xStq. Banhers Life—This com- 
penain to five year option policies only. 



SURRENDER VALUES— WHOLE LIFE, 



187 



LIFE POLICY PER $1000 OF INSURANCE— Ciwi/. 



Ybam at Issub. 



Aptkx Ten Ykars. 



Cash 
Value. 



990.00 



a97«42 
348.00 



268.39 



297.00 
336.00 



*H.67 



297.42 
340.00 
30598 

239.CO 



Paid-up 

Policy 

iMoedfor 



$ 
500.00 
399.00 

404I00 
373.00 
336.00 
310-00 
310.00 



389.00 
370.00 
37400 

^Z 

357.99 



341.00 

374.00 

381.00 

404.00 
380.00 
373.00 

^S 

30500 
277.70 

34800 
413-00 

368'.6^ 

351.00 



CarrMd 
for 



719. days. 



4.307 

3.268 
3.268 
3.369 



4.207 
•4.2 



38 



•4.00 



4.307 



Aftsk Twmimr Ybaxs. 



Cash 
Valua. 



553-00 



55249 
497.00 
539.80 
529.80 



589.00 



Paid-up 

Policy 

lamed for 



$ 

XOOO.00 

671.00 

664.00 
648.00 
550.00 
546.00 



636.00 
650.00 
646.00 
64600 
631*00 

587.39 



6X3.00 



529.80 


646.00 


55249 


641.00 


552.00 
483.00 


66A.00 
636.00 
638.00 


.... 


708.30 


387.24 


57900 
555.40 


552.49 
552.49 
490.00 

579.68 


560.00 
674.00 

593-60 


485.00 


610.00 



*Iiiaaraaco 

Camed 

for 



yn. days. 



4.75 

3.164 
3.347 



3.239 



•3. 



4-75 



ArTBX Thikty Yiaks. 



Cash 

Value. 



769.00 



761.43 
69300 
747.38 
747.44 



835.00 

747.44 
761.43 
761.00 



547.00 



8X9 13 



Paid-up 

Policy 

iMued for 



$ 
868.M 

83400 
78X.00 



783.00 
839.00 
836.00 
836.00 



748.29 

826.00 

836.00 

88813 
833.10 

74207 



losuracce 

Carried 

for 



yrs. days. 



3.48 



3.X60 
•3.0 



30.000 



ooe-half per cent, with deductions of eight per cent generally. Union Mutual— All business now being done on 
bincd Experience four per cent, guaranteed in policy. Paid-up non-psrtidpating insurance after three years for as 
public Its Surrender Values. Brooklyn Life and Commercial Alliance— The policies of present issue contain a guar- 
pany only issues life policies at stock rates, and doet not guarantee surrender values. Penn Mutual^Cash values 



188 SURRENDER VALUES— NEW ENGLAND AND STATE MUTUAL. 



NEW ENGLAND MUTUAL. 

SURRENDXR VALUES. LiFE RATE ENDOWMENT POLICY, $I0OO. 

With the New England and State Mutual the ordinary whole life policy has been suppUinted 
by the life rate endowment and as the reserves thereunder are necessarily larger than with the first 
mentioned policy, we give the life rate endowment surrender values apart from those pertain- 
ing to the whole life policies. 



AGE AT ISSUE. 



as. 

35. 
40, 

45- 
50. 



Aftsk Fivb Ybass. 



Cash 

Value. 



3X.90 

41. za 
S4-30 
7003 

8459 
zoa.96 

13544 
153-38 



Paid-up 

Policy 

iMuedfor 



98.00 
I16.0Z 
13621 

156.45 
Z7000 
z 85.00 
aoa.70 
395.00 



Aptbk Tbn Ybam. 



Cash 
Value. 



83.58 
ZOO.07 
Z36.03 
z68.a7 
198.04 

344.56 



Paid-up 

J>olicy 

lasuedfor 



$ 

936.00 
906.07 
30Z.3a 

332.93 
35300 
380.96 

413-39 
457.00 



AvTBR TwBHTr Ybax^. 



Cash 
Value. 



9Z9.46 
979.05 
335.30 
400. z6 

45904 

667.40 
900. z8 



Paid-up 

Policy 

Imed for 



$ 
486.00 
531-87 
57937 
690.77 
659.00 

78Z.78 
936.00 



Aftbb Thixtt Ybaks. 



Cash 
Value. 



?§:i5 

589.53 

703.96 
8x8.97 



^id^op 
7or 



690.33 
73973 
797.3a 
854-45 
9ZO.00 



STATE MUTUAL. 
Surrender Values. Life Rate Endowment Policy, $1000. 



AGE at issue. 



25 

30 

35 
40 

45 
50 

i 



Ansa Fivb Ybabs. 



Cash 
Value. 



$ 

3Z.90 
4Z.Z9 
5430 

70.00 

87.30 

Z09.98 
"5-44 
153.38 



Paid-up 

Policy 

Issued for 



98.40 
ZZ6.0Z 
Z363Z 
156.45 

902.70 

994.77 



Aptbk Tbn Ybabs. 



Cash 

Value. 



83.58 
106.07 
Z36.09 
Z68.97 
903.^ 
937.39 
984.60 



Paid-up 

Policy 

Issued lor 



235.81 

966 07 
30x39 
33a.s3 

^i 

413-39 
457.04 



Aptbk Twbmtv Ybaks. 



Cash 

Value. 



9Z9.46 
979.05 

335.30 
400. z6 
475-69 

900. z8 



Paid-up 

Polity 

Issued ior 



531*87 
57937 

^:^ 

936.19 



Aftbk Timrnr Ybaks. 



Cash 
Value. 



589.53 
703.96 
870.Z3 



Pasd-ap 

Poiiqr 

lasuedfor 



$ 

690.3a 
739-73 
797.3a 
854-45 
937.55 



Investment Insurance. 

So much attention, of late years, has been given to what is termed Investment Insurance, 
it having been clearly demonstrated that a profitable channel for the investment of funds is 
found in life insurance, that we give prominence to the rates for policies under which the pay- 
ment of dividends is deferred for periods of five or more years, or which can, for any other 
reason, be classed as tontines, semi-tontines, survivorship dividend, accumulative, etc. 
Companies classified according to age. 

Thb Mutual Lifb of New York issues policies on the distribution plan, the surplus being 
divided at the end of designated period. Paid up policies are provided for in event of surrender. 
The premium rates have already been quoted. The company will covenant to pay the sum in- 
sured in installments to the widows or heirs if it is so desired, and the installments of the 
aggregate sum to the credit of the policy at death of the insured will be increased by interest at 
the average rate earned by the company on its investments. To holders of endowments the 
company extends a life option by which the original policy is changed into a paid-up policy 
for life, without medical examination, by the surrender of the sum insured, and the accumu- 
lated surplus. The company binds itself to pay besides the annual dividends an annuity for 
life of $40 for each (looo insured. The life option is granted on the following plans at the 
usual rate of premium : Ten, fifteen, and twenty year endowments, ten payment, fifteen and 
twenty year endowments. 

The New York Life issues non-forfeiting free tontine policies, under which the insured 
has the following options : ist, to surrender the policy and receive the cash value and surplus ; 
2d. to sell the policy to the company and receive in lieu of cash, as above, a yearly income for 
life ; 3d, to sell the policy to the company for a paid up non-participating policy ; 4tb. to with- 
draw the surplus in cash and continue the policy in force ; 5th, to continue the policy and pur- 
chase with the surplus a yearly income for life, or during the remainder of the premium pay- 
ing term of the policy ; 6th, to continue the policy and purchase with the surplus a reversionary 
addition. The company allows a grace of one month in payment of premium, but interest at the 
rate of 6 per cent per annum on the amount due and unpaid will be collected. The return pre- 
mium feature is applied to this class of insurance, either for the half of or all the premiums 
paid, in event of death, during the tontine period. Policies are incontestable according to 
their terms; there are no restrictions as to occupation, residence or travel after two years 
(except service in war); and paid-up policies are granted in case of lapse after three years' 
premiums have been paid. The following are the rates for an ordinary life policy with return 
of one-half or all the premiums, in case of death, within ten, fifteen, or twenty years tontine 
period : 



Acs. 



25- 

30. 

35 
40, 

45 

55 
60, 



Ten-Year 
Period, Half 
Premiums 
Returned. 



$20.70 
33.70 
37.60 
32.90 
40.10 
50.50 
65.70 
88.80 



Ten-Year 
Period, All 
Premiums 
Returned. 



$ax.oo 
24.00 
28.10 
33.50 
4130 
52.70 
7030 



Fifteen-Year 

Period, Half 

Premiums 

Returned. 



$21.00 
2400 
28 10 
33.60 
41.50 
5330 
71.50 

ZOI.40 



Piftee«-Year 
Period, All 
Premiums 
Returned. 



$31.60 
34.70 
39.10 
35 ao 

44.40 
5910 



Twenty -Year 

Period. Halt 

Premiums 

Returned. 



$2130 
24.50 
S8.80' 
34.80 
4380 
57.80 
80.70 

119.80 



Twenty -Yeai 
Period. All 
Premiums 
Returned. 



$22.30 
2570 
30.60 
3800 
49.90 



The Penn Mutual issues accumulated surplus policies for periods of fifteen and twenty 
years. The return premium feature is applied wherever desired ; paid-up policies are granted 
in event of lapse after three years. The insured has the following options : ist, the surplus 
may be withdrawn and the insurance continued (where the contemplated payments have not 
been made) ; 2d, the policy may be surrendered for the entire cash value, reserve and surplus ; 
3d, the policy may be surrendered for paid-up whole life or endowment insurance for such 
amount as the entire cash value will purchase ; 4th, the surplus may be withdrawn in cash and 



iSiO 



INVESTMENT INSURANCE. 



the reserve applied to purchase of paid-up insurance. The rates for an ordinary life, fifteen 
and twenty years accumulated surplus period, are as follows ; 



Agb. 



25 
30 
35 
40 

45 
50 

55 



Z5 Year Period. 



$19.85 
32.90 
36.80 
31-95 
38.95 



15 Year Period witb 

Retoni of Pre- 

miuma. 



$21.45 
34.98 
39.71 
36.46 

46.59 
63.33 
88.13 



ao Year Period. 



$19.85 
33.90 
86.80 
31.95 
38.95 



90 Year Pexioi 
with Retura 
of PrrmiBiat, 



$33.06 
25-90 
3I-2S 
39.16 

51-71 

7273 

III 39 



The Union Mutual issues non-forfeiting free tontine policies, with the return premium 
feature, if desired. The policies are non-forfeitable after three years. The following options 
are granted on the ordinary whole life policy : ist, to apply the surplus to the purchase of an 
annuity on several plans. To continue the policy in force and withdraw the surplus. To with- 
draw the reserve and surplus. To secure a paid-up policy through the reserve and surplus. 
To convert the entire equity into a life annuity, or to continue the policy and convert the sur- 
plus into a reversionary addition. The rates for an ordinary whole life policy, with return of 
premiums, in the event of death within the tontine period, are as follows : 



ACK. 


Fiftcen-Ycar 
Tontine. 


Twenty-Year 
Tontine. 


Ace. 


Fifteen-Year 
Tonrine. 


Twenty-Year 
Tontine. 


ae 


$31.60 
2470 
39.10 
35-20 


$33.90 
3570 
30.60 
38.00 


4.C 


$44.40 
59.10 


4990 


Qo 1 


CO 


oe .... 


cc 




AO ......... 


Is:::.::;;:;::; 











The United States Life issues "guaranteed income policies," the holder of which, pay- 
ing the ordinary whole life, ten, fifteen or twenty payment life, or the twenty-year endowment pre- 
mium can terminate the contract and secure the full reserve and surplus at the end of twenty 
years from date of issue, or he can convert the entire equity into a paid-up, non-participa.ting 
life policy, or purchase an income for remainder of life. The company will loan at the end of 
the fifth or any subsequent year the entire legal reserve after deducting the premium for the 
next year, and one year's interest on the loan. The company issues every form of tontine poli- 
cies on favorable terms. 

The iETNA issues " twenty payment terminal endowments," which are non-forfeiting, and 
have cash, paid-up and extension values. Dividend periods, five years. Annual rates per 
liooo are : 

Age 35 $3^.35 



Age 35 $37.73 

Age 30 30.67 



Age4D 38.75 



Age 45 $44.63 Age 55 $5a.i6 

Age5o 53.37 



The following options are guaranteed holders of these policies : 

I. The surplus may be taken in cash and the policy continued. 

3. The surplus may be withdrawn and the policy surrendered for paid-up insurance. 

3. The dividends may be taken in cash and the policy continued in force for the guar- 
anteed term of years. 

4. The dividends and guaranteed value may be taken in cash on surrender of the policy at 
the expiration of ten years or any five years thereafter.. 

5. The dividends may remain for further accumulation and the total taken at any later tvt 
year period. 

6. The dividends may be left for farther accumnlation and when together with the reserre 
they equal the net single premium for the same insurance, at the end of any policy year, a 
paid-np policy will be issued for the full amount if desired, such policy being entitled to cash 
values and annual cash dividends. 



INVESTMENT INSURANCE. 



191 



7. The dividends may be left for further accumalation and when they together with the 
reserve equal or exceed the face value of the policy, at the end of any policy year, the full sum 
insured with excess of dividends, if any, will become due and payable as an endowment 

The Manhattan Life issues survivorship dividend policies under which dividends are 

deferred for such time as may be agreed upon between both parties to the contract. The return 

premium feature is applied to this class of insurance when desired. The rates per $1000 for 

an ordinary life fifteen year survivorship dividend period with return of premium in event of 

death before end of the period, are : 

Age 35 $9i.6o Age 35 $29.10 Age45 $44-40 

Ageao 2470 Age40 35.90 

The policies are non-forfeitable and incontestable after three years. 

The National Life issues twenty-year endowment bonds and twenty-year installment 
bonds, the rates for which are as follows : 



Endowment Bond. 

Ageao $47-68 Age 45. 

Age 23 47.68 Age 50. 

Ageao 48.53 Age 55. 

Agc3S 4979 Age6o.. 

Age 40 51.78 



Instalment Bond. 

$55.04 Ageao $41.15 Agc45.. 

60.45 Age 25 41.15 Age 50.. 

69.24 Ageao 42.03 Age 55.. 

8318 Age 35 43.32 Age 60.. 

Age 40 45.48 



. $49-17 

■ 54.98 

. 63.74 

79.00 



The Bsrkshies Life issues " twenty payment five year dividend and five year option life 
policies." Annual rates are as follows : 



Age 35 $28.00 

Ageao 31.20 



Age 35 $35.10 

Age40 40.00 



Age 45 $46.40 

Age 50 54.80 



Arc 55 $59.40 

Age 60 76.50 



The option of three methods of settlement at the end of twenty years is given, viz. : ist, to 
sell out for cash ; ad, to take cash dividend and retain paid-up policy for its face value, or to 
purchase additional insurance with the cash dividend. 

Under the convertible option bond, five methods of settlement at maturity are open : 

1. To receive the amount of bond and surplus. 

2. An annuity for ten years. 

3. An annuity for life. 

4. Piid-up life policy and additional cash payment. 

5. Ten year annuity and insurance continued. 

The Northwestern Mutual issues policies on the semi-tontine plan, the tontine dividend 
periods ranging from ten to twenty years. The return premium feature may be applied to these 
contracts. The insured are granted various options, such as withdrawing in cash the accumulated 
surplus, purchasing paid up additions with the surplus, surrendering the policy and receiving 
the reserve and surplus, or receiving on surrender of the policy a non-participating policy fully 
paid up. The rates have already been quoted, but extra premiums are chargeable if it is de- 
sired to secure the return of premiums paid, in case of death within the tontine dividend 
period. The extra rates for an ordinary whole life policy, ten, fifteen, and twenty year dividend 
period, per $1000, are : 



Agb. 



90. 

25 

35 
4<o 



Ten- 


Fifteen- 


Twenty- 


Year 


Year 


Year 


Period. 


Period. 


Period. 


^% 


$1.07 
1.34 


•:u 


1.13 


1-73 


ts 


l-^ 


242 


3-73 


:5.90 



Age. 



45 
SO 



Ten- 
Year 
Period. 


Fifteen- 
Year 
Period. 


$3.53 

6.09 

IZ.21 

22.00 


$627 
n.27 
21.65 
44-15 



Twenty- 
Year 
Period. 



$10.28 

38.03 
79.43 



The Equitable of New York issues free tontine, also semi*tontine, policies. 
premiums for the free tontine policies are : 



The annual 



Age 35 $20.50 

Ageao 33.30 



Age 35 $37.10 

Age 40 32.30 



Age 45 $3910 Age 55 $61.60 

Ageio 48.50 Ageoo 79.90 



192 INVESTMENT INSURANCE. 



The Society also issues indemnity and endowment bonds. The indemnity bonds are to 
run for either fifteen or twenty years. On a fifteen-year bond installments of $roo on each 
$1000 are paid for ten years. On the twenty-year bonds annual installments of $50 are paid 
during the whole period. At maturity* the principal and surplus may be drawn in cash, or 
the surplus may be withdrawn and payment of principal deferred until death, drawing mean- 
while an annual income equal to 5 per cent of the principal. A^ain, the payment be 
deferred during pleasure of the beneficiary, but interest drawn annually at a rate not less for 
any year than that prescribed by the laws of the State of New York as the reserve standard of 
computation. The twenty-year bond to be issued at par up to age forty, but after that age a 
small additional sum is charged. In the fifteen-year bond, issue is at par until after age fifty, 
when a slight addition is made to the rate of subscription. These bonds are unrestricted as 
to residence, travel, or occupation after one year, incontestable after two years, and con-forfeit- 
able after three years. Provision is made for paid-up policies in event of surrender. 

The twenty and fifteen-year endowment bonds, with 5 per cent guaranteed for life, provide 
for the following methods of settlement at maturity : 

The guaranteed value of bond and surplus may be withdrawn, or the surplus may be taken 
in cash and the principal extended for life, and the assured will draw 5 per cent per aanum 
until death. The bond may be extended as above, and the surplus used to purchase an 
annuity, or the bond and surplus together may be devoted to this purpose. The rates are as 
follows. For fifteen-year endowment bond : 

Age as $7770 Age 35 $77,70 Age 45 $79-70 

Ageso 77.70 Age40 78.15 Ages© 82.95 

The twenty-year endowment bond costs for 

A|?e25 $54.85 Age 35 ^SS 60 Age 45 9S93P 

Ageso 55.10 Age40 56.80 Ageso 64.00 

This class of bond is also granted with 5 per cent guaranteed for ten years in event of ex- 
tension beyond the first period of maturity, and the rates are, for the fifteen-year bond : 

Ageas $7670 Ageas $79.65 Age4S $86.90 

Ageso 77.85 Age40 Sa.as Ageso 9535 

For the twenty-year bond rates are : 

Ageas $54.20 Age 35 $57.90 Age 45 $69.00 

Age3o 55-75 Age 40 61.85 Ageso 8385 

The Washington Life issues policies upon the ''survivorship distribution" plan, ibe 
dividend terms being ten, fifteen, or twenty years, as may be selected. The insured are i^ven 
options of surrendering the policy at the end of fifteen years for the full reserve and dividends. 
This option is embraced in the .limited payment ordinary life. In the installment semi-endow- 
ment the option is given of taking, in lieu of the last endowment payment, a paid-up partici- 
pating policy, and in the semi-endowment the receipt of endowment maybe waived, and a paid- 
up participating life policy taken. 

The Home of New York issues dividend endowment policies with return premium features- 
These policies provide for the accretion of simple endowments purchased from the dividends 
declared during the term specified, which may be fifteen or twenty years, or any multiple of 
five years longer. Policyholders in this class have the option of securing premium loans. The 
rates for a fifteen-year dividend endowment ordinary life, with return of premiums in the event 
of death within fifteen years, are : 

Ageas $21.60 Age 35 $a9.io Age 45 $4440 

Ageso 34.70 Age40 35.ao Ageso 59.10 

The rates for the twenty-year dividend endowment ordinary life with return of premiums : 

Agefcs $22.20 Age 35... $30.60 Age 45 1... $49.90 

Ageso 25.70 Age40 38.00 Ageso 71.40 

The Germania issues whole life dividend tontine policies, dividend tontine bonds nnd 

duplex dividend tontine bonds. The rates for the last mentioned are : 

Ageas $3520 Agess $48.20 Age4S $6950 Age 55 $rao.8o 

Ageso 39.80 Age4o 58.70 Ageso 89.10 Agt6o... zsa-^o 

The text of this policy is given in this work. All the policies under the tontine plan are 

incontestable and non-forfeitable after three years. 



INVESTMENT INSURANCE. 193 



The Brooklyn Life issues *' compound investment " policies, combining life insurance 
with endowment and annuity. There are three plans, and rates are as follows— all paid up 
in twenty years : 

Planz. Agc25...$6a.oo Age 35 $6727 Age45 $74" Age 55 $84-^ 

Ageao... 64.47 Age40 70.46 Ageso 78.58 Age 60 94.59 

Plan 2. Age 25... $37.54 Age 35 $41.94 Age4S $50.04 Age 55 $67.03 

Age30... 39.45 Age40 45.30 Ageso 56.92 Age6o 82.05 

Plans. Age 25... $54.86 Age 35 $55.36 Age45 $58.59 Age55 $70.80 

Ageso... 54.97 Age40 56.37 Age 50 62.90 Age6o 84.00 

Plan No. I gives an insurance for a certain amount at death, during a period of twenty 
years, or an endowment for a like amount with a paid-up policy for the same sum provided 
the insured lives beyond the period of twenty years. 

Plan No. 2 gives an equal amount of insurance during twenty years as under plan No. i, 
but the endowment and paid-up insurance will thereafter be but one-half. 

Plan No. 3 will give, for a premium paid during twenty years, insurance during the whole of 
life, and secure at the end of twenty years a life annuity of $50 for every $1000 insured. 

The Maryland Life issues twenty-year distribution policies at the company's ordinary 
rates. No dividends are payable until the expiration of the term of twenty years. The bonds 
issued by the company under this plan may be continued after the dividend period, and the 
surplus converted into an additional paid-up policy, or the entire cash value may be drawn, or 
if not drawn, it may be used for the purchase of an annuity for the life of the party insured. 

The Mittual Life of Kentucky issues policies on the " five year dividend and cash surren- 
der plan," the dividends being apportioned every five years, at which time the policyholder can 
surrender the policy and terminate the contract by receiving the cash surrender value and the 
surplus. 

The EQinTABLE of Iowa issues convertible life and investment policies, with annual divi- 
dend, cash or reversionary ; paid-up policies are also provided for in case of lapse. The 
insured has the following options at end of investment period : ist, to receive cash value of 
policy with dividend addition ; 2d, to purchase paid-up policy ; 3d, to purchase life annuity ; 
4th, to continue the policy and receive dividends in cash ; 5th, to continue the policy and pur- 
chase life annuity with addition ; 6th, to receive dividend additions in cash, and purchase 
full paid policy with the reserve. 

This company also issues semi-tontine policies, in which provision is made for paid-up 
insurance in event of withdrawal. The options are of like character to those given holders of 
convertible life and investment pblicies. The rate for these contracts are those of the ordinary 
and limited payment life policies. 

The Union Central issues a twenty payment life rate endowment option policy, under which 

the insured has the privilege of drawing the entire reserve and all profits at the end of estimated 

time of maturity, or receiving in lieu an annuity for life, or a paid-up policy with profits, or 

when the policy matures, one-half in cash and paid-up insurance for the remainder. Paid-up 

insurance is provided for in event of lapse after three years, and the policy is incontestable after 

that period. The rates are as follows : 

Age 25 $2739 Age 35 $34.08 Age 45 $45.<m 

Ageso 30.36 Age40 38.83 Age5o 53.38 

The Michigan Mutual i&sues twenty-payment life rate endowments, under which the 
assured has the option of converting the full cash value into a paid-up policy, or part cash may 
be taken and paid-up insurance granted for the balance. At the end of the fifth year, or there- 
after, the assured may convert all into cash. The rates are as follows : 

Ageao $99.55 Ageso $32.15 Age40 $38.05 Age5o $51.65 

Age25 30.60 AgesS 34.4S Agc45 43-75 

The company also sells an accumulative bond, under which the principles of insurance in- 
creasing with each premium paid, endowment, cash surrender values guaranteed, paid-up 

L-13 



191 



INVESTMENT INSURANCE. 



valnes and incontestability are combined. Tbe rate for a bond of fiooo, payable as indicated, 
with return of premiums in event of death prior to expiration of term, are : 



ACB. 



Bond PayabU in 


Bond Payable io 


Bond Payable ia 


Bond Payable in 


to Years. 


15 Yean. 


20 Y^. 


asYeais. 


$103.50 


$66.75 


$4895 


$38.80 


X04.10 


S-ss 


49-95 


40.00 


105.05 


68.75 


51.40 


42.00 


108.85 


70.55 
73.80 


5395 
58.45 


45.50 
52.00 


113.00 


79.60 




.... 


120.55 


90.55 


83.65 


.... 


134.25 
160.15 


111.90 




.... 


»57.30 


.... 


.... 



90 
25 

30 
35 
40 
45 
50 

i 



Thb Pacific Mutual issues dividend investment policies, dividend periods being ten, 
fifteen or twenty years, as selected. These policies are granted under whole life or endow- 
ment plan, continuous limited payments. These policies contain the incontesuble clause and 
are non-forfeitable after three years premiums have been paid. The insured has the following 
options at the end of the dividend period : i. The dividend and guaranteed cash value can 
be withdrawn, thus terminating the contract ; 2, The dividend can be withdrawn in cash and 
the guaranteed cash value left with the company in which case the policy can be continued in 
force, according to its terms as an ordinary participating policy, or a fresh dividend period 
may be entered upon if the insured desires to keep the policy in form by continuing payment 
of premiums ; 3. Tbe guaranteed cash value and dividend may be converted into paid-up 
insurance: 4. The guaranteed cash value and dividend may be used for purchase of an 
annuity, payable through life. 

The rates for whole life policies, ten, fifteen and twenty years dividend periods, are as 
follows : 

Age 90 $18.30 Age 30 $23 30 Age 40 $32.90 Age 50 $48.50 Age 60 $79-90. 

Age 25 90.50 Age 35 97.10 Age 45 39.10 Age 55 61.60 

The Vermont Life issues policies on the ** accumulation plan," a copy of which Is given 
in thiSLwork. The annual premiums are as follows : 

Age95 $28.05 Age35 $31-80 Age45 $40.90 Age55 $58.83 

Ageso 99.55 Age40 35.39 Age50 47.43 Agc6o 7589 

Cash values, paid up values and surplus guaranteed in this contract. 

The Life Insurance Company of Virginia issues distribution policies, on which divi- 
dends are deferred for ten, fifteen, or twenty years. The options given policyholders are that at 
tbe end of period selected he may withdraw the full cash value of the policy, or draw the surplus 
and continue the policy in force at the original premium, or may continue the policy and leave 
the accumulated profits for the payment of future premiums. Tbe rates are as follows : 

Age9S $9aAO Agc35 $27.79 Age45 $41.90 Ages5 $67-67 

Age30 93.6a Age40 33.39 Age5o 59.08 Age6o 90.66 

The Prudential issues all forms of policies on the Accumulative Dividend plan. The 
dividend period may be made either ten, fifteen jt twenty years, as the insured may prefer. At 
the end of the period selected, the insured has the following options : ist, to receive 00 sur- 
render of the policy the full cash value, i. /., the reserve and surplus ; 2d, the policy may be 
surrendered for a paid-up life policy, and the surplus may be withdrawn in cash or applied to 
purchase an addition to the paid-up policy ; 3d, the policy may be continued in force, aod the 
surplus withdrawn ; 4th, the policy may be kept in force, and the surplus applied to purchase a 
paid-up addition, or to reduce the future premiums, if any, or, 5th, the full cash value of the 
policy may be applied to purchase an annuity during life, or for a period of ten or fifteen years 
after the dividend period. Cash loans and paid-up insurance are provided for after three 
years premiums have been plaid. The policy is incontestable after three years. 

The Provident Savings issues twenty year insurance bonds, under which the insured has 
the privilege of continuing the insurance under a new renewable term policy, without medical 



INVESTMENT INSURANCE. 



195 



re-ex ami nation. In case of death the surrender value is paid in addition to the full face of the 
bond. At the end of twenty yeais the face value of the bond is payable, together with surplus. 
Limited payment whole life policies are issued on the sama principle. Cash surrender values 
are provided for in event of lapse, and the society will loan at 6 per cent interest any desired 
amount within the stipulated surrender value. 

The rates of subscription for these bonds are : 

Age 25 $52.13 Age 35 $5473 Age 45 $62.44 

Ageso 53.09 Age40 57-59 Ageso 70.44 

The Life Indemnity and Investment Company issues semi-tontine policies, under which 
the options are : tst, to use the accumulated surplus in the purchase of an annuity to be 
applied to the reduction of subsequent premiums on the policy. If the amount due under the 
annuity in any one year exceeds the premium due the excess shall be paid in cash ; 3d, to 
withdraw the surplus and continue the policy in force on the ordinary plan ; 3d, to surrender 
the policy and draw the reserve and dividends in cash ; 4th, to convert the entire cash value 
into an annuity for life ; 5tb, to purchase for the cash value of the policy a paid-up participat- 
ing policy for an equivalent amount ; 6tb, to convert the cash value into a non -participating 
paid-up policy. All policies and bonds issued by the company «re incontestable after having 
been in force two years. Surrender values are provided for in the event of a lapse. The com* 
pany grants guaranteed Investment and Indemnity bonds, to run ten, fifteen or twenty years, 
paid for in annual installments. If death occurs before completion of term, the premiums are- 
returned, in addition to the face value of bond. At maturity of bond, the holders may draw 
the entire value of same, principal and interest, or he may surrender the bond and draw the 
surplus, receiving a participating paid-up bond, payable on demand at any date when interest 
is payable, or at death, on which the company will pay 4 per cent annually until terminated 
by death or otherwise. The rates for bonds are: 



Age. 



25- 
30- 
35. 
40. 



xo Year 
Bond. 



$10367 
105.07 
10690 
109.84 



x^ Year 
Bond. 



$67.00 

68.74 
71.02 

74 95 



90 Year 
Bond. 



$49.50 
5130 
54." 
59.10 



Agb. 



45. 
50. 



in Year 
Bond. 



$115.09 
123.42 
13709 
160.50 



X5 Year 

Bond. 



$81.68 

92.99 

112.42 



9o Year 
Bond. 



$67.88 
83.48 



The Bankers Life issues a ''twenty payment participating indemnity and investment 
bond/' with return premium feature. Annual rates are as follows : 

Ageao $25-27 Age30 $3X.93 Age40 $4356 Age5o $66.53 

Agess 28.12 Age35 36.87 Age45 52.93 Age55 

The Commercial Alliance issues '* convertible option bonds," matuiing in twenty years. 
The rates of subscription are as follows : 
Ageao $49.67 Age3o $51-73 Age4o $56.89 Age5o $69.75 Age6o $96.63 



Age 35 50.^ Age 35 53.71 Age 45 62.0X Age 55. 



80.93 



Term Insurance. 

Owing to the different nature of the contracts offered by companies doing business of this 
class, it was not found practicable to tabulate the rates of premium as in other classes of 
policies. 

Instead of this, the companies are treated of separately, the nature of the contraa 
explained and premium rates for various ages quoted. 



Penn Mutual — Issues non-participating term policies from ages 21 to 55 years in 5, 
xo, 15 and 20-year terms, the annual premiums under which are per $1000 : 



Agbs. 



21, 

25 
30. 
35 
40. 
45 
SO 
55 



5 Yean. 



$10.70 

la.oo 

1415 
lo.i.s 
19.90 
26.05 
35-15 



10 Yean. 



$xi.oo 
11.80 
13.10 
14.80 

X7.45 
22.10 

39.35 
40.10 



15 Yean. 



$11.35 
12. ao 
13.65 
15.75 
I9-J5 
2470 
33-15 
45.65 



30 Yean. 



$11.70 
12.65 

1435 
17.00 
21.15 
27.65 
3730 



This company also grants what are called " Reducing Renewable Term Policies," under 
which the rate of premium changes with the increasing age of the insured. Three dollars 
extra is charged for the medical examination, payable with the first premium. At age 21 the 
initial annual premium is $10.50 per (looo ; age 25, $11.17 ; ag® 30. $12.27 I H^ 35> $i3-7o: 
age 40, $15.50 ; age 45, $18,42 ; age 50, $23.77 ; age 55, $31.75 : age 60. $43-63 ; age 65, $63.92; 
age 70. $94.56. 

iETNA LiFB — Issues ten year term renewable policies with the privilege to the assured of 
continuing through life without medical re-examination. The surplus accumulated during 
the first ten years is applied toward reducing the rate for subsequent terms. At age 20, the 
annual premium per $1000 is $11.09 ; age 25, $12.64 ; age 30, $14.67 ; age 35, $17.36 ; age 40, 
$21.02 ; age 45. $26.14 ; age 50, $33.17 ; age 55, $42.66; age 60, $55.64. 

Massachusetts Mutual — Issues polices the loss under which is payable only if death 
occurs during the term of years as follows : 



AGES. 



Ahnual Premium pbr $1000. 



ao Years. 



as Yea re. 



30 Yean. 



35 Yean. 



40 Yean. 



45 Yean. 



35 

30 

35 
40 

45- 
50 



$13-93 
1538 
17.78 
21.70 
27.96 
37.27 



$14.34 
16.23 
19.22 

2385 
30.91 



$14.96 
17.28 
20.80 
26.03 



$15.71 
18.44 
22.41 



$16.56 
19.63 



$17.43 



On this table, premiums must be paid all cash. Dividends begin at the end of fifth year, 
on payment of premium then due. 

Imperial LiFE^Issues yearly renewable term insurance participating or non-participating 
without medical re*examination. Policyholders electing to waive dividends may continue to 
pay each year the initial annual premiuni to the end of the expectation of .life. Cash surrender 
values are provided for and also extension of policy by reason of such cash value. The rates 
of annual premiums are as follows : age 25, $14.05 ; age 30, $15.29 ; age 35, $17.03 ; age 40, 
$19.50 ; age 45. $23.82 ; Age 50, $30.45 ; age 55, $38.57 ; age 60, $50.00. 



TERM INSURANCE. 



197 



Covenant Mutual — Grants term policies 'for one, three, five, seven and ten years. 
Premiums can be paid annnally, monthly or in a single payment. These policies are forfeit- 
able on failure to pay any premiam. 



AGES. 



ao, 
as- 
SO- 
BS 
40 

45 
50. 

II 



tYear. 



Annual Premiums pbr $1000. 



3 Years. 



$ii.ao 


$11.25 


^^'S5 


11.65 


22.05 


12.25 


13-85 


13.05 


14.95 
16.00 


lai 


19.80 


90.00 


26.65 


a8.SS 


38.30 


4t*> 



5 Years. 



?"-3S 
"•75 
12-35 
13-35 
14.70 

17-35 
22.10 

30.S*; 
44.75 



7 Years. 



$11 



IX.ilO 

11.85 
12.50 
13.50 
15.10 

17.95 
23.45 
33.80 
48.30 



zo Years. 



$11.50 
13 00 

13.75 
13.90 
15 80 
1930 
3565 
36.45 
53-95 



The ten year term policy rates are for policies renewable without medical re-examination 
N on-partici pati ng. 

The B&ooklyn Lifs— Furnishes term insurance under contracts which will be renewed, 
at the rate for the increased age, at expiration of original contract, without new medical exam- 
ination. These policies are participating and contain non-forfeitable provisions. The annual 
rates per $1000 are as follows : 



Agbs. 



5 Year Term. 



zo Year Term. ao Year Term, 



ao.< 

30. 
35- 

40. 



$J3.40 

13.18 
1435 
16.34 
19.96 
36.54 



$13-37 
15-38 
17.85 
31-35 
36.18 

33.93 



$14.65 
16.74 
1955 

28.67 
3606 



* No new iasttrance issued after age 50. 

Thb Gi&MAN Mutual— Issues decennial term policies renewable at the option of policy- 
holder upon medical re-f xamination to the company's satisfaction at the end of each ten years, 
and so on up to the age of 60 to 70. Rates are as follows: Age 20, $11.85 : tge 25, $12.25 ; 
age 30, $12.80 ; age 35. $13.70 ; age 40. $15.30 ; age 45, $18.15 ; age 5©. $23.35 ; age 55, $32.15 ; 
age 60, $46.80. Non- participating. 

Thx United States — Issues continuable term policies renewable without medical re- 
examination. Dividends are due and available at the completion of each term. The annual 
rates and terms are as follows : 



Agbs. 



zo Year Term. 



Z5 Year Term. 



30 Year Term. 



25- 

30 

35- 
40. 

45 
SO 

§; 
65 



$12.90 
13-92 
15.41 
17.73 
21.64 
28.39 
39.16 
56.43 
83-15 



$13.18 
14-34 
16.12 
1905 
23.95 



$13-51 
1487 
17.14 
20.8E 
26.82 
36.47 
51-13 



193 



TERM INSURANCE. 



Thb Provident SAviNGS^Issues renenmble term insurance policies, under which the as- 
sured has the right to renew the insurance for the whole remainder of life, if desired, without 
medical re-examination or other condition, by paying the rates at the actual age attained, less 
dividends. Policyholders may also have contracts changed so as to have the amount insured 
adjusted to the premium paid. The following are rates for ages and terms. 



Agbs. 



as 
30 
35 
40 
45 
50 

11: 



X Year. 



$1375 
1500 
16.04 
17.20 
1904 
22.64 
29.24 
41.50 



Terms. 



5 Yean. 



$1375 
1500 
1604 
17.20 
19.41 
23.73 
31.28 
4398 



zo Yean. 



$14.74 
13.40 
16.42 
18.14 
21.30 
27.00 
3<5.6S 
5237 



15 Yean. 



$15.02 

15-84 
17.18 

19-55 
2376 
31.02 
d2.88 
01.30 



•o Yean. 



$15.38 
16.43 
18.25 
SI .42 
26.82 

35.70 
49.40 
69.12 



To Age 70. 



$17.65 
19.34 
ai.54 

5237 



Thb Equitable of New York will issue term contracts for 10, 15 and 20 year periods, also 
for short terms, but the premiums in such cases are the same as for 10 years. The annual 
premiums are given below. These policies are non-participating : 



Agbs. 



25 
30 
35 
40, 



$13.12 
14.26 
15.89 
18.37 



Tbkms. 



xo Yean. xs Years. ao Yean. 



$13.36 
14.63 
16.52 

19-53 



$13.65 
15.13 
17.41 
21.08 



Agks. 



45 
50 



TSRMS. 



XO Yean. xs Yean, ao Yean. 



$22.40 
29.07 
39.77 
5653 



$24-44 
32^ 
^91 
3.91 



44-9 
63.9 



$26.97 
36.27 
50.39 
70.36 



The Commercial Alliance — Issues term policies under which the premiums are re* 
adjusted at the end of each decennial period. One policy is termed the Free Returned Pre- 
mium Non-forfeiting, the premiums being repayable with, and in addition to, the full amount of 
insurance. The annual rates are as follows : Age ao, $14 47 ; age 2$, $15.14 ; >^ge 30, $16.04 ; 
•ge 35, $17.23; •»« 40. $19.30; age 45. $23.22; age 50, $29.75 ; »g« 60, $59.16. The other 
class of term policies are under the decennial distribution plan, dividends being applicable to 
the reduction of premiums for the ensuing term. Annual rates : Age 20, $13.91 ; age 25, $I4-Si ; 
age 30, $15.30 ; age 35, $16.33 ; age 40, $18.09 ; age 45. $21.32 ; age 50, $26.47 : age 55, $34.30 ; 
age 60, $46.31. 

The Northwestben Mutual Life— Issues 5 and xo year term policies (non-participat- 
ing) at the following annual rates per $1000 : 




INDUSTRIAL INSURANCE. 



199 



Thk P&ovidint Life and Trust — Issues term policies for periods ranglDg from xo to 30 
years. Combined term and endowment policies are granted; as, for example: $1000 term insur- 
ance with a pure endowment of |ioo at end of term. The rates for term insurance are not pub- 
lished. 

Tha Bankb&s Life— -Issues 10 year term participating policies renewable without medi- 
cal examination. Rates per $1000 as follows : Age 15 to 25, $12.52 annually ; age 30, $13.65 ; 
•gc 35. $i5.5a ; age 40. $1846 ; age 45. $2317 ; age 50, $30.71 ; age 55. $42.62. 



The Vermont Lipe^Issuos yearly indemnity policies which are about the same as re- 
newable term policies with increasing premiums. Rates are as follows. Participating : 



Agbs. 



17 to 25 

30 

35 



Premium 
Fint Year. 



$18.75 
90.00 
21.04 



Premium 

Subsequent 

Years. 



$i5.co 
10.04 



Agis. 



40. 
45- 
50. 



Premium 
Firtt Year. 



$22.20 
24.04 
27.64 



Premium 

Subsequent 

Years. 



$17.20 
19.04 
22.64 



The Ph(enix Mutual— Issues policies under what is called the 10-20 plan by which term 
assurance is granted for twenty years, during the first half of which the insured has the privi- 
lege of changing his contract without medical re-examination, to any form of level premium 
life or endowment policy issued by the company. The full reserve and surplus on the term 
policy is in such cases applied to the reduction of premium on the new policy. During the last 
half of the term similar change can be made, provided satisfactory medical examination is 
passed. No dividends are declared on these policies except in case of change as described. 
The annual rates are as follows : Age 25, $13.05 ; age 30, $14.79 ! a^e 35, $16.97 ; age 40, 
$20.52 ; age 45. $26.22 ; age 50, $34.61 ; age 55, $46.28. 



Industrial Insurance. 

Amount Assured for Five Cents per Week at Various Ages. 



NAME OF COMPANY. 



Metropolitan.. 
Prudential . . . 



John Hancock 

United States Industrial. 



Life Insurance Co. of Virginia. 
Peoples Industrial 



Western and Southern . 
Sun Life 



Provident Life of Wheeling. W. Va. 
Mutual of Baltimore* 



Raies o/Premhimfor '* Special AduU 
Policies " per $1000. 

Prudential 

United States Industrial 

Sun Life ..•...••■••...•••.... ..• 



Agbs. 



IS SO SA 80 85 40 49 50 95 60 65 70 



107 
107 

107 
ixa 

no 
114 

116 
zia 



95 
95 

95 
99 

98 

lOI 

104 
99 



.50 
.50 
■50 



.57 
.58 



82 
74 

7a 
.07 






61 
6x 

6z 
63 

61 
.07 



SO 
50 

50 
SI 

S3 
55 

60 
SI 

50 
.09 



4a 
4a 

4a 
43 

46 

48 
43 

4a 
.10 



I. II 
I. II 
z.ia 



39 



1.38 
X.38 



38 
.16 



X-73 
1.73 
1-74 



aa 
22 

22 
22 

23 
22 



2.21 

2.21 
2.22 



12 
12 

12 
Z2 

13 
13 

13 
12 



'■WMkly prenauB ibi f 100 of insurance. Mnks, Full inunediate b«n«fit. 



Present Value of an Annuity of $1, First Payment 

AT ONCE. 
According to the Combinid Experience and American Experience Tables op 

Mortality. 
The following table will be useful in pointing out the amount of insurance which should 
be carried. Multiply the figures for the given age by the applicant's income, and ]rou have a 
fair idea of his insurable value, because the product represents the applicant's probable worth 
to his famiij or dependents : 



Com BIMBO EXPBMKKCS (ACTUARIBS) Tablb. 



Agb. 



3 Per Cent. 4 Per Cent, 



Ambkican Expbbibmcb Tablb. 



Agb. 



4 Per Cent. 43^ Per Cent. 



20 

31 

22, 

23 
24 

'A 

28 

39 

30 
31 
32 
33 
34 

I 

39 

40 
41 
4a 
43 
44 

ti 
'^ 

49 

50 
SI 
5a 
53 
54 

P 

57 
58 
59 

60 
61 
63, 

§: 

67 
68 

69 
70 



$22.80 


$19.45 


32.62 


19.33 


2243 


19.30 


22.24 


10.07 
18.94 


22.04 


21.84 


18.80 


21.63 


18.66 


21.42 


18.51 


21.90 


18.36 


30.98 


18.30 


30.75 


18.04 


2052 


1787 


90.28 


17.70 


30.05 
19.78 


i7.Sa 


17.33 


195a 


17 14 


n 


16.95 
16.74 


18.70 


16.53 


18.43 


16.33 


18.13 


16.09 


17.82 


15.86 


17.51 


15.63 


^Z'l^ 


1537 


16.87 


15.1a 


16.54 


14.86 


16.20 


14.59 


15.86 


14.3a 


15.5a 


14.04 
13.76 


15.17 


14.82 


13.47 


14.46 


13.18 


14. II 


13.88 


13.75 


ia.58 


1338 


13.38 


13.0a 


11.98 


13.66 


11.67 


13.39 


11.36 


11.93 


II 05 


11.55 


10.73 


II. 19 


10.41 


10.83 


10.10 


10.46 


9.78 


10.10 


9.46 


9.74 


9.15 


938 


8.83 


tS3 


l^ 


8.69 


8.33 


8.35 


7.91 


8.01 


7.61 


7.68 


7.3a 



30 
31 
33, 

33 

a4 

a? 
28 

a9 

30 
31 
3a 
33 
34 

P: 
12: 

39 

40 
41 
4a 
43 
44 

t 

49 

50 
51 
5a 

53 

54 

P: 
12; 

59 

60 
61, 
63, 

n. 

67. 
68. 

69. 
70. 



519.56 


$18.17 


19.45 


18.09 


19.34 


18.00 


19.23 


xTS 


I9.II 


lit 


17.70 


17.60 


18.73 


17.49 


18.58 


17.37 


X8.44 


i7.as 


Z8.39 


17. xa 


Z8.I3 

17.97 

17.81 


16.71 


17.^ 


16.56 


1745 


16.4X 


I7.a6 


i6.a5 
16.08 


15-91 


16.66 


15.7a 


16.44 


15-54 


16.33 


15.34 


1599 


15x4 


15.75 


14.93 


15.50 


14.71 


IIP - 


14.48 


1435 


14.71 


14.0X 


14.44 


13.76 


14.15 


13.30 


13.86 


1324 


1356 


13.96 


13.2s 


13.69 


13.94 


13.40 


13.^ 


13. 1 3 


Z9.3Z 


11.82 


11.98 


11.53 


ii.<55 


XI.22 


xi.Sa 


IO.9Z 


ZO.98 


10.60 


10.65 


10.29 


10.31 


9.97 


9.97 


9.65 


9.63 


934 


9.39 


9.0a 


8.95 


870 


8.63 


838 


8.38 


8.07 


7.95 


7.75 


7.63 


7-M 


7.31 


7.14 



NET VALUES PER $1000. 



201 



NET VALUES PER $1000 OF AN ORDINARY WHOLE LIFE POLICY, 
COMBINED EXPERIENCE, FOUR PER CENT, AFTER 



Agb. 



20. 

25- 

30. 
35. 
40, 

45 
50. 
55. 
60, 



Second 
Year. 


Third 
Year. 


Fifth 
Year. 


Tenth 
Year. 


Fifteenth 
Year. 


Twentieth 
Year. 


Twenty- 
fifth 
Year. 


13.66 


9 
19.31 


9 
33 30 


72.53 


ZZ8.56 


Z73.6Z 


336.15 


15.4s 


33.56 


40.58 


88.30 


144. w 


309.84 


383.60 


18.9Z 


38.83 


49.63 


107.91 


176.43 , 


253.39 


336.03 


33.33 


35.59 


61.34 


133.41 


314.30 


301.35 


392.53 


a9.3i 


44.70 


76.79 


16B.97 


355.70 


352.84 


450.97 


36.36 


55.04 


93.34 


193.79 


399.01 


405.30 


507.49 


43.5a 


65.70 


XIO.79 


336.84 


344.07 


456.79 


560.91 


51.65 


77.78 


130.5X 


363.35 


389." 


506.3Z 


6ZO.89 


60.90 


9X.38 


151.63 


397.4a 


432.09 


552.49 


to.75 



Thirtieth 
Year. 



307.4s 
362.97 
423.68 

484.64 
545-32 
60Z.90 
654.00 

704.15 
761.43 



NET VALUES PER $1000 OF AN ORDINARY WHOLE LIFE POLICY, 

AMERICAN EXPERIENCE, FOUR AND ONE-HALF 

PER CENT, AFTER 



Agb. 



ao. 
25 
30. 
35< 
40. 
45. 
50 
55 
60, 



Second 
Year. 


Third 
Year. 


Fifth 
Year. 


Tenth 
Year. 


Fifteenth 
Year. 


Twentieth 
Year. 


Twenty- 
fifth 
Year. 


9.68 


14.83 


35.81 


57.71 


$ 
97.00 


$ 
145.03 


203.05 


Z3.38 


Z8.83 


32.75 


73.08 


122.39 


181.94 


252.37 


15.66 


23.99 


41.69 


92.67 


154.24 


227.05 


309.^ 


30.04 


30.67 


53.20 


117.45 


193.43 


279.59 


373.08 


35.66 


3923 


67.86 


148.ZZ 


239.11 


337.85 


440.13 


32.87 


50.IZ 


86.09 


183.73 


289.65 


399.37 


507.00 


41.39 


63.78 


106.83 


333.74 


342.79 


460.56 


570.00 


50.96 


76.9s 


129.77 


364.19 


396.04 


518.57 


634.23 


61.56 


92.51 


154.46 


305.98 


446.78 


579.68 


705.15 



Thirtieth 
Year. 



371.66 
332.23 
399.22 
469.91 

540.45 
607.03 

673.30 
74341 
819.13 



202 



MISCELLANEOUS INSURANCE COMPANIES. 



CO 

M 
H 

< 

CO 
Q 
Eh 

u 

H 



CO CO 

z 

ss 






o 
U 



o 
a: 

CO 



CO 

O 

o 

CO 



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0^ 



IS 



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■le i»<{iii999a 

Sntpaa rt^x 



Z 

o 

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PSO 
2 






I SSI 









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X 

» 









1= iJ; IfH^ sF SJIJ^ asai* 



CO M M 






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^ 



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"8 












mm i 



§^1.^1 



M M ^ ^ ^ 



8 S 5 q q 



'$ 



§ um § tun §§§§§ 



a 



§>§)§>§)§) 8 8 8 8 8 



<»> 




u 



II 






1^ 






"J 



CO . 

D . 

u 



MISCELLANEOUS INSURANCE COMPANIES. 



203 



IpIT 

■To g»oo « 



i 1 

« 






i ^ 




• : i i : : '' '■ 



'A 
It 

hi 



* 71 

Ui 
I 'I 
J— f 

% 

Iff 

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Extracts from The Combined Experience 
Mortality Table. 

For Use of Agents in Canvassing. 



Acs. 



30. 

21 

23 

»3 

24- 

as 

26 

a? 

28 

29 

30 

31 

32 

33 

34 

p:;:::::: 
%::::::: 

39 

40 

4i 

42 

43 

44 

45 



Number 

SurviriDg 

at Each 

Age. 



93.268 
92,588 

91.905 
91,319 

%%% 

89.137 
88,434 
87,720 
87,01a 
86.292 
85.565 

81.81A 
81.038 
80.253 
79.458 
78.653 
77.838 
77.012 
76.173 
75.316 

■ 74.435 



Deaths 

in Each 

Year. 



680 
683 
686 
690 

714 
720 

727 
734 
742 
750 

2® 
767 

776 
785 

2^5 
^5 
815 
836 

839 
857 
881 

909 



Number 
Dying 

in Each 
1,000. 



7.29 
7.38 
7.46 
7.56 
7.67 

7.77 
7.89 
8.01 
8.14 
8.28 
8.43 
858 

8.92 
9.10 
9.29 

9.48 
9.69 
9.91 
10.13 
1036 
10.61 
10.89 

II 35 
11.70 
12.21 



ExpectSr 
tion of 
Life io 
Years. 



41.49 
4079 
40.09 

3798 

35.86 
35.15 
34.43 
3372 
3301 
32.30 
31.58 
30.87 
30.15 
29.44 
28.72 
28.00 
2738 
26.56 
2584 
25.12 
2440 
23.69 



Agb. 



46.. 

47.. 

48.. 

49.. 

50.. 

51.. 

52. 

S3.. 

54.. 

55.- 

56.. 

S7-' 

58.. 

60.. 
61.. 
62.. 

t: 
%:. 

67.. 
68.. 
69.. 
70.. 



Number 

Surviving 

at Each 

Age. 



73.526 
72,582 
71,601 
70,580 
69.517 
68,409 

63.469 

60^6^ 
59 161 
57,600 
55.973 

54.275 
52.505 
50,661 

48.744 
46.754 
44.693 
42565 
40,374 
38,128 

35.837 



Deaths 

in Each 

Year. 



1,021 
1,063 
1,108 
1. 156 
1,207 
1,361 
1,316 
i»37S 
1.436 
1.497 
1,561 
1.637 
1.698 
1.770 
1.844 
1.917 
1,990 
2,061 
2,138 
2,191 
2.246 
2.291 
a.337 



Number 
Dying 
in Each 



£z|>ec- 

tat ion 

of Life 

in Years 



12.84 
13.52 
14.26 
15.06 

15.94 
16.90 

17.95 
19.09 
20.31 
21.66 

2.^ 

20.39 
28.25 

30.34 
32.61 
35.12 
37.84 
40.83 
44.08 
47.61 
51.47 

00.09 
64.93 



22.97 
22.27 
21.56 
ao.87 
20.18 

Ji:£ 

18.16 
17.50 
16.86 
1622 

1559 
14.97 

14.37 
13.77 
1318 

I2.6Z 

12.05 

H.5I 
10.97 

X0.46 

9.96 

9.47 
900 

8.54 



Equation of Life. 

This table of the " £qaatioa of Life" will prove valuable in canvassing, as it enables the 
agent to point oat from the " American Experience" and the ** Actuaries' Tables of Mortality" 
tbe lime when one-half of the tabular number of the living at a given age will have passed over 
to the great majority, and vice versa, the period at which those who contemplate taking out 
endowment assurance for long terms will do well to fix the maturity of their policies. In 
other words, out of two persons alive at a certain 9ge this table shows tbe time at which one 
will be living and the other dead. 



COMBINBD EXPVRIBNCB MORTALITY TaBLB. 



Ambkican Expbribncb Moktality Tablx. 



Agbs. 



20 

31 

32 

23 

24 

%":::::■ 

27 

38 

29 

30 

31 

32 

33 

34 

35 

36 

37 

38 

39 

40 



Equation 

( ccurs 

L etweeik 

Ages. 



65-66 
6566 
6566 
6566 
65-66 
65-66 
66-67 
66-67 
66^ 
66-67 
66-67 
66-67 
67-68 
67-68 
6768 
67-68 
67-68 
6768 
^8-69 
68-69 
68-69 



Agbs. 



41.., 
42.., 
43.. 
44.. 
45.. 
46 .. 

^l" 
48.. 

49.. 
50.. 
51. A 
i;2.. 

53.- 
54.. 
55.. 
55.- 
57-- 
58.. 

60.. 



Equation 
Occurs 

Between 
Ages, 



Agbs. 



6869 
68-69 
69-70 
69-70 
69-70 
69-70 
69-70 
70.71 
70.71 
70-71 
70-71 
7071 
71-72 
71-72 
71-72 
72-73 
72-73 
72-73 
72-73 
73-74 



20.. 
21.. 
22., 

23. 
24. 

^: 

27. 

28. 
29.. 
30. 
31. 
32. 
33. 
34. 

i: 

37. 
38. 
39- 
40. 



Equation 
Occurs 

Between 
Ages. 



66-67 
66-67 
66-67 
67-68 
67-68 
67-68 
6768 
67-68 
6768 
68-69 
68-69 
68-69 
68-69 
68-69 
68-69 
68-69 
69-70 
69-70 
69-70 
69-70 
69-70 



Agbs. 



41 

42. 
43 
44 

46. 

48. 

49 
50. 
51 
52 
S3 
54 

56 
57 
58 



Equation 

Occurs 

Between 

Agea. 



69-70 
70-71 
70-71 
70-71 

70-71 
70-71 

70-71 
71-72 
71-72 

71-72 
71-72 
71-72 
72-73 
7273 
72-73 
72-73 
73-74 
73-74 
73-74 
73-74 



210 



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LIFE INSURANCE BY STATES— OREGON. 



221 






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Life insurance by states — south Dakota. 



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LIFE INSURANCE BY STATES— WISCONSIN. 



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i^xs 



A Decade of Life Insurance. 



DEFINITIVE ANALYSIS 

—OF— 

LIFE INSURANCE RETURNS, 1881-1890. 



A Compendium and Digest of the Figures of 26 Companies. 



COMPILED FROM THE OFFICIAL MASSACHUSETTS REPORT. 



BY BENJ. F. BROWN. 



In presenting to the public the Fourth Annual Edition of Definitive Analysis, the 
author contents himself with a simple allusion to certain additions to the work which 
materially enlarge its scope and increase its interest and value as a statistical record 
of life insurance. 

These include briefly the extension of the term of years so as to embrace the 
operations of the full decade ending with 1890; the introduction of a series of 
resume tables showing, at a glance, the grand aggregates of the individual companies 
in all departments and phases of the business, together with the corresponding 
ratios (average or mean), and finally, the strengthening of one or two exhibits by 
the addition of supplementary features. 

It will thus be seen that no efforts have been spared to improve upon the stand- 
ard of previous years. The several exhibits not only present a full and comprehensive 
record of the purely statistical features of the business during a decade of unex- 
ampled progress and prosperity, but illustrate, furthermore, the movement and fm^ 
dency of the economy in all its varied phases, in such manner as to afford — as per- 
haps no similar publication has yet done — an effective object-lesson, instructive 
alike to student, field worker and official, of the theory and practice of life insurance 
under the widely varying conditions of the several companies. 



LIFE INSURANCE RETURNS. 227 

It need hardly be added that the impartial character of the work is by this time 
fully established. As set forth in its initial edition, it is the essential epitome and 
reflex of the sworn reports of the companies themselves to the Massachusetts De- 
partment. The same rules of analysis are applied alike to all companies ; and if by 
the application of these tests some weak spots are mdicated, some imperfections laid 
bare, it is the company and not the author that must be held responsible for the 
showing. It is undeniable that careful study of the several tables will reveal here and 
there instances of this kind — possibly in unexpected places — but it is not too much 
to hope that the attention thus publicly drawn to them may conduce to their amend- 
ment and inure in the long run to the welfare of the institution and the benefit of all 
concerned. 

In conclusion, the author commends the work as a whole to the thoughtful study 
of all interested in life insurance. Each table tells its own story in its own way, and 
an intelligent perusal of the several headings is all that is requisite to its thorough 
comprehension. 

Of the series, Table D, as illustratmg in a graphic manner the effect of a rise or 
fall in interest rates, increasing mortality or expenditure and, last but not least, mar- 
ket fluctuations in the value of securities, upon the net earnings of the company, will 
perhaps possess the largest degree of interest for most readers. 

Boston, June, 1891. 



LIFE INSURANCE RETURNS. 



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LIFE INSURANCE RETURNS. 





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230 



LIFE INSURANCE RETURNS. 



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LIFE INSURANCE RETURNS. 



231 










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d 00 d -^^ mo\ooda6o 

M M (n Cl M M M 


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LIFE INSURANCE RETURNS. 



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LIFE INSURANCE RETURNS. 





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LIFE INSURANCE RETURNS. 



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State and Territorial Legislatures. 

The next sessions of the legislatures of the several States and Territories and limit of i 
is shown in the following table : 



STATES AND TERRITORIES. 



Alabama 

Arizona 

Arkansas...'.. 
California.... 
Colorado 

Connecticut . . 

Delaware 

Florida 

Georgia 

Idaho 

Illinois 

Indiana 

Iowa 

Kansas 

Kentucky 

Louisiana .... 

Maine 

Maryland 

Massachusetts 
Michigan 

Minnesota .... 

Mississi] 

Missoi 

Montana 

Nebraska 

Nevada 

New Hampshire 
New Jersey...., 
New Mexico. . . . 
New York 

North Carolina. 
North Dakota.. 

Ohio 

Oregon 

Pennsylvania. . . . 

Rhode Island... 
South Carolina.. 
South Dakota. . . 

Tennessee 

Texas 

Ulah 

Vermont 

Virginia 

Washington.... 

West Virginia.. 

Wisconsin 

Wyoming 



Lbgislatukks. 



Next Session Begins. 



Nov., 189a 
Jan., 189a 
Jan., 1893 
Jan., 1893 
Jan., 1893 

Jan., 1893 
Jan., 1893 
Apr., 1893 
Nov., 1892 
Dec.. 189a 

Jan., 1893 
Jan., 1893 
Jan , 1893 
Jan., 1893 
Dec., 1891 

May, X893 

Jan., 189a 

Jan , 1893 

Jan., 1899 

Jan., 1893 

Jan., 1893 
Jan., 189a 
Jan., 1893 
Jan.. 1893 
Jan., 1893 

Jan., Z893 
June, 1893 
Jan., 1898 
Dec., Z892 
Jan., 1893 

Jan., 1893 
Jan., 1893 
Jan., 1893 
Jan., 1893 
Jan., 1893 

Jan., 1893 
Nov., 1891 
Jan., 189a 
Jan.. 1893 
Jan.. 1893 

Jan., 189a 
Oct.. 1893 
Dec., 1891 
Dec., 1893 

Jan., 1893 
Jan., 1893 
Jan., 1893 



Annual c 
Bit 



Biennial 
Biennial 
Biennial 
Biennial 
Biennial 

Biennial 
Biennial 
Biennial 
Biennial 
Biennial 

Biennial 
Biennial 
Biennial 
Biennial 
Biennial 

Biennial 

Biennial 

Biennial 

Annual 

Biennial 

Biennial 
Biennial 
Biennial 
Biennial 
Biennial 

Biennial 

Biennial 

Annual 

Biennial 

Annual 

Biennial 
Biennial 
Biennial 
Biennial 
Biennial 

Annual 
Annual 
Bient ial 
Biennial 
Biennial 

Biennial 
Biennial 
Biennial 
Biennial 

Biennial 
Biennial 
Biennial 



In several States where biennial sessions are held, the legislatures hold adjourned sessions, 
by which means the law is evaded and annual sessions held. The Rhode Island legislature 
meets annually at Newport on the last Tuesday in May, and an adjourned session is required to be 
held at Providence each year. It is also permitted in several States to prolong the sessions beyond 
the term named by law. 



LIFE INSURANCE HISTORY. 



Transactions of Fifty Sompanies, 



YEAR BY YEAR, 



FROM 



Date of Commencing Business 

To January 1, 1891. 



COMPILED FROM OFFICIAL OR AUTHENTIC SOURCES. 



Life Insurance History. 



Yearly Business of Fifty Life Insurance Companies From Date of 

Commencing Business. 



The first State insurance department in the United States was established by act 
of the Massachusetts Legislature in 1855, and since that time annual reports have 
been issued by an increasing number of departments, and with growing completeness 
and fullness of detail, until at the present time nearly every feature of the insurance 
business is fully reported and brought under review for the enlightenment and benefit 
of the general insuring public 

. There are now about fifty active level premium American life insurance companies 
that report to the various insurance departments. Of these sixteen were transacting 
business before the establishment of State supervision, and consequently no public 
official record has been kept of their transactions during their earlier years. In the 
earlier years of State supervision the reports made were, as was natural, incomplete as 
to several matters of detail, which experience has since shown ought to have been re- 
ported in order to insure a harmonious and complete record. 

Occasions often arise in the history of companies when it is necessary to refer 
back to the business of the earlier years of its own or some other company's existence- 
Up to this time there has been no way of doing this, except by long and laborious re- 
searches through old insurance reports, insurance journals and other antiquated records. 
Knowing the tediousness of these searches by experience, we have, at great pains and 
expense, made the tabulations in the pages following, which we now present to the 
life insurance fraternity. 

In making up these tables we have adopted the New York Instu-ance Department 
Report as it is now compiled as a standard. We have gone over the files of these re- 
ports, and have carefully collated the information foimd there. In addition to this, 
careful search has been made through old files of insurance journals, and numerous 
other sources of information have been consulted. In the case of those companies 
that do not report to the New York Department their figures have been compiled from 
the department reports of their own States. After we had consulted all the authorities 
within our reach the mass of figures was put into type and proofs were then sent to 
all the companies, with the request that they make any corrections necessary and send 
such additional information and figures as would make the compilation more complete, 
and so enhance its value. After the corrected proofs were returned a careful revision 



LIFE INSURANCE HISTORY. 295 

was made, and it is believed that the tables are as accurate as it is possible to make 
them at this time. 

A few companies have not fully checked their figures, owing partly to a lack of 
time, and also to the fact that during their earlier years their books were kept in such 
a manner that their reports do not agree with the present basis. These few companies 
will, however, take an early opportunity to check their figures, and in the next edition 
of The Year Book it is hoped that the returns will be still more complete. These 
figures have been carefully compared with all available data, and may be accepted as 
absolutely correct except as to the reports of three or four companies for the years 
previous to the formation of State insurance departments. Their figures subsequent 
to that time correspond with the official reports. 

In presenting this tabulation to those interested in life insurance, we feel sure that 
our work will be appreciated as it deserves. Such a tabulation has never before been 
attempted, and the fact that it is now possible to find under one cover all the salient 
points relating to a life insurance company throughout its entire history at once estab- 
lishes the value of the work, while the care which has been manifested in its compila- 
tion, and the approval of the companies whose figures are given therein, at once 
makes it a standard authority. 



296 



LIFE INSURANCE HISTORY. 



Incorporated April 12, 1842. 



MUTUAL LIFE INSURANCE 



Year. 



Premiums. 



Interest 

and Other 

Income. 



Total 
Income. 



Death 
Claims 
Paid. 



Matured 
Endow- 
ments and 
Annuities. 



Surren- 
dered 
Policies. 



Dividends 
to Policy- 
holders. 



Total 
to Polky- 



1890 
1889 
1888 
1887 
1886 
1885 
Z884 
1883 
x88a 
z88i 
1880 

1879 
1878 

X877 
1876 

1875 
1874 

1873 

1872 

1871 

1870 

1869 

1868 

1867 

1866 

1865 

1864 

1863 

i86a 

1861 

i860* 

x86o| 

Jill 

1857 
1856 

1855 
1854 
1853 
X853 
1851 
1850 

1847 
1846 

1845 
1844 



a7.063.083 

a3.727.859 
19,444.308 
17,110,902 

15.635.7a1 
14,768.90a 

13.850.a58 
X3.457,9a8 

".845.593 

la. 190.625 

12.275.589 

12,687,882 

13.092,720 

14.030.153 

15.136,703 

1S.73a.970 

15.65^.078 

17,818,889 

14.386.864 

12,656,990 

12,169,717 

i3.a97,8oa 

11,037.626 

8.445.918 

5,040,416 

a,655,i6i 

1,747.590 

1.438,325 

i,aoo,959 

1,111,789 

1,138.680 

1.083.938 

^;i84 
814,794 
620,151 
644.615 
550.991 
554.446 
458.ai4 
454.143 
426.314 
3oa.ia3 
373,689 
182,747 
I45.5a9 
83.369 
37.943 



7,915.696 
7.391. 161 
6,771.625 
6,009,031 
S.503,456 
5.446.053 
5.245.060 
5,042.965 
5.078,766 
5.051.491 
4,865,106 
4,943,311 

4.878 361 
4,668.999 
4,206.075 

3.843.113 
3,320.231 
2,908,655 

a.477.773 

a. 196.340 

1.769694 

1.334.567 

994008 

901.158 

879,311 

653.977 

554.396 

481,943 

410,896 

363,014 

316,357 

a78.549 
230,171 

144.705 
136,183 
ia8,8o3 
117,353 
89,011 

33.557 
ao.349 
14.520 

6,459 
3.831 

559 



34.978.779 
31,119,030 
26.315.933 
33.119,933 
31,137,177 
90,314,954 
19.095.318 
18,500,893 

17.9a4.359 
17,348,116 
17,140,695 
17.630,093 
17.845.138 
18,913,461 
30,014,964 
ao.400,969 
19.857.153 

31,668,003 
17716,095 

IS.565.645 
14.647.490 

I5,d94.i4a 
13,807,330 
9,780,485 
6,03^.434 

^.556,319 
3,636,801 
3.091. 308 
i.755.a85 
1.593.732 
1.539.576 
1.445.952 
1.305.604 
1.166,733 

''7^'li 
78o,'798 

547.235 
530906 
474.581 
335.680 
394.038 
X97,a67 

'a 

38,50a 



$ 


$ 


$ 


$ 


8,501,771 
7,679.151 


1.875.452 
1.978,544 


3.833.385 
3.254.036 


l'^^ 


7.931,665 

7.107.360 


2.244.793 
ii72i!72o 


3.099.252 
3.086.733 


3.151,8^0 
3,654,185 


5.493,930 


3.315.180 


3.699.343 
3.183.033 


s.990.033 


3,099,380 


3.199.714 
3.037.696 


5.336,831 


2,517.381 


3.141.164 


5.095.795 


2,Sq^ 933 


3,831,151 


3.138.493 


I^S'iS 


I.3I2.S07 
1.939,362 


3.&53.5SS 


3.I39.32I 
3.947.396 


4.394.448 

3.367,088 


1.636,735 


3.399.734 


1.894.042 


4 S6S.ro6 
5.4S9.989 


3.437.479 


9,087.493 


i;iSlS 


3.634.910 


1,109,370 
733. B29 


iZ.^ 


3.751.359 


3,701,701 


3.723.176 


694,566 


4.713,487 


3.539.664 


3.129.326 
3.379.66s 


^^/96 


r::.:?i 


8.397.676 


3,733.667 


17.590 


1.555.009 




9.765.750 


79.705 


1.347.850 


3.3^.495 


3.367,633 


80,067 


X,356,II2 


3.548.595 
3.698.830 


3.030,410 


751.710 


x,i8o.7os 
X, 079.388 


43.185 


433,832 


3.357.137 


49.389 


240.204 


'•» 


x,oi5,863 


11,503 


143,935 

183,^07 


539.400 


10,370 


178.775 
15.146 


606,797 


14,454 


91.443 


37.044 


105.775 


''^ 


444.400 


30,371 


74.333 


351.185 


11.963 


322.809 


978 


386;5i9 


W 


76.083 

70.630 


1. 06a 
1.447 


280,533 


10.697 


74,306 


60,970 


295.900 


7.468 


32.039 


31.143 


379.184 




32.536 
42.839 


18.737 


396,700 




16.003 


316,510 






k 110.360 


177.176 








216.683 








156,137 
160,640 










1*6,641 




165.315 








91,307 








71.050 








67.635 








16,475 








13.000 










10.973,300 
15.300,608 
i4.7s»7.S5o 
I4,ia8,423 
13. 199. 103 
14.40a.050 
13.933.06s 
13.959361 
12.848.836 

I3,^p.II3 

I3.*.6« 

14.015.556 

x4.400.033 

13.949.101 

14-505556 

13.674.893 

11.469.709 

13474.C44 

9.554.471 

7.458.801 

6,124.080 

6.551,017 

4.903.849 

3.6P5.7S5 

1.538.665 

911.952 

825.467 

746,715 

599.623 

586.935 

434.996 

467.364 

436406 

356.550 

330447 

3S5.54I 

436.770 

199.981 

«5.435 

167,617 

X77.281 

176.949 
203.363 
71.811 
68.583 
16.6x1 
13.000 



* December ^i. % Vear ended February x up to this year. A IndudtBg surreade 



Incorporated April i, 1835. 



NEW ENGLAND MUTUAL LIFE 



18QO 


3.801.838 
3.638.886 


I.O32.I44 


3.833.98a 


1.373.323 
1,190.832 


257.217 


393.373 


588.377 


3.sia,a89 


1809 


1.043.251 


3.*486;9i6 


259.135 


343065 


561,011 


a.a54,Q4| 
a.303.8a8 


1880 


3.472.810 


1,014.106 


X.30I.654 


302,203 


304.993 


594.979 


1887 


2.337.007 


1.042906 


l:fM 


1,016.322 


303.275 


315.458 


r« 


3.055.847 


1886 


3.31 1.776 


942,110 


x.035.243 


257.315 


210,789 


1.971.574 


'5?5 


3.111,^31 
3,003.657 


830.019 


i^-^^ 


1.099.450 


280.373 


331.128 


481.333 


3.0^384 


1884 


r.07J.^ 
998.184 


?« 


535.536 


8,176.903 


'S3 


I.961.319 


2.957.303 


533.587 
510.904 


3.056.5^ 
x,990.iW 


1883 


2,654,607 


1,004869 


333.914 
373.946 


134.501 
163.721 


1881 


1.703.044 
1,568.043 


l^'2? 


2.551.973 


873.779 


541.776 


1.953.333 


1S80 


878.681 


2.446.734 


830.285 


419.451 
458.377 


135.848 
307.935 


496.'84i 


1.900,805 


1879 


1.558.845 


860.325 


2.419,170 


811,490 


3.034.633 



LIFE INSURANCE HISTORY. 



297 



COMPANY, NEW YORK. 



Commenced Business February i, 1843. 



Kx,g»«, 


Total 
Disbune. 


Nbw Busnbss. 


Outstanding 
Insukancx. 


Assets. 


LUbilities. 
4J<. 


Surplus. 

4%' 




meats. 


No. 


Amoant. 


No. 


Amount. 




$ 


$ 




$ 




$ 


$ 


$ 


$ 


7.207,616 


24.180.816 


48.973 


160.911,893 


205,564 


638,041,180 
565.839.387 


146494.180 
135.638.539 


136.623,558 


9,870.622 


6.428.894 


21.629.502 


44.533 


151.962.063 


182.013 


126.194584 


9.443.955 


4.972,107 


19.699.657 


32.597 


103,346.034 
69,641.110 


158.190 


482.050.579 
427.583-359 
393.776.174 
368.952,337 
351.789,285 


125494.719 
X 18,274.967 


1x7.607.079 


7.887.640 


3.649.SI4 


11^3% 


%\Ui 


140,830 


XlX.948.35i 


6,326,616 


3.153.983 


56.898,214 


114.804 


113,679,962 
108.431,779 
103583.301 


X06.421.X29 


7.258.853 
6.943.764 


a.957.173 
3.134.45a 


17.359.223 
17.057.514 


14.330 
".197 


«^ 


xox .488.015 

97.583 356 


9.352,410 


16,311,771 


11.533 
n,ii6 
10.607 


37,820,597 


XX0.990 


342.946.032 


100.912,2^5 
97.746.364 


94.445.p8 


1,910.051 


14.759.787 


37.2|4.458 
34.760.755 


xo6,2i4 


329.554.174 


aX.23X,6o7 
87,8ox.X73 
85x80.457 

8o!S49.2x6 


» 


9, Z 1^1^32 


14.757.944 


101.490 


315.900.137 
306,002.164 


94.506,499 
91.529.654 
88.212,701 


^MlH74 


zo,zo6 


33.700,759 
38,394.554 


97.978 


f:i^:5S 


9.O83.099 
2,134.583 


12,210 


11:^ 


298,760.867 


16,026,729 


8.870 


28,299 8x8 


290,774.315 
294.488,311 


86,833 341 
84.749.808 


5.984.12s 


16,083.684 


8.494 


20.491,920 


91.553 


79.405.584 


5.34t.224 


i;468;563 


x5.902.987 




32,127.693 


92.125 


301,278.037 


82.076,707 


77,001,080 


5,075.627 




9.8^ 


28,081.122 


92.393 


3^5.057.221 


78.534.<^ 


68.632.278 


4.584.522 


1.899.285 


12,756 


38,126.906 


» 


301,878,726 


72,191.288 


3,559.010 


X5i373i329 

xo,Qo6,i8z 

8.683.^1 

8,189.026 


16,416 


56.560.598 


289,505.739 
264.593.^ 
228,770,367 


65.346.401 
58.410,879 


62.59x.664 


2.754.737 


1.351,710 


12.184 


39.365.277 


^sX 


5s.376.279 


3034.600 


x.294.690 


ia.189 


35.357.683 


51.399.877 


47.595.459 


3.804,418 


i!^!oo9 


12463 


53.039.452 
42.232,872 


71.271 


242,004,489 


44.465.931 


41 645,040 


2,820.891 


re 


68,1x9 


216,043.902 
199,8x8.578 


37.579.109 


35873296 


1.705.873 
1.915.386 


1.610.902 


6,514.051 


59,022 136 


60.872 


31,017,320 


29.101.834 
22,500.781 


1.336.R09 


4.942,564 
2,569 976 


19.056 
14.783 


62,061,915 


49.407 


X64. 107.469 


23,995.058 
18,495,508 
14.338,552 
X2,446.265 
10,611,149 


x,494.277 


i.(m.3Xi 


51.706.133 


36,430 


120.281,062 


a 16,235,669 


« 2,259.839 


1.381.449 




26,415.057 

13.178.195 

8,594.175 

4.812,750 


24.143 


84,651.136 


a xo,8o7,5X3 


« 3.531.039 


256.'io6 


1,081.573 


3.998 


17.943 


61,968.708 


a 9.828,729 


« 2,6x7,536 


a28.37S 


I^;8i6 


2.842 


15.044 


52.615.656 


09,131,170 


a 1.479.979 


\U*^ 


1.833 


12.972 


38, lis! 122 


9.175.177 
8,060,970 


^9.175.177 


(4 
a 2.848.098 


743.821 
563.574 


I 221 


3,816,325 


12.095 


a $,202,872 


128.578 


1,701 


5.P51.291 


12,591 


40.x59.123 


7.237.989 


« 4,909,662 


a 2,328,327 


153.766 


621.030 


1,721 


5,343.325 
5.476.250 
5.852.087 


11,832 


35.319.279 


6.233.517 


.f 2,950.2^2 
c 3,318,881 

C X,827.5Q2 

c x,2i9,487 


^3.283.275 
tf 2,056,052 


124.724 


551.130 


'•S^ 


10,993 


32,575.099 


5.374.933 
4.488.04^ 

3787,940 


110.085 


466,635 


1.863 


10.390 


30,481.30a 


^3,660,452 


X04.877 


435.324 
437.629 


2.041 


5.878 457 


t^ 


28,024 012 


f2.568.459 


82.088 


1.698 


5.498.545 
4.717.600 


24,904.110 


2,850)0^ 


f 705.000 
f 738.094 


f 2,473,000 


82.583 


274.405 


1.567 


8,118 


22 082.633 


f2.11x.984 


96.505 
48.970 


1.259 
1,061 


3.679.744 
2.967,133 


7.390 
6.773 


19.642.833 
17.560.633 


2,543.302 
2,060,640 






46.335 


197.170 


^978 


2.284,34t 


6,473 


16.326,275 

15.886, i8x 


1.578.968 






-♦^•^i 


223.180 

206,064 




3,103.200 


6,242 


1.298,388 






45.408 


4,074,490 


5.799 


14.044.213 

12,102.258 

9.997.813 

7.785 236 


1.02J.940 






30,547 
39.035 


IZ8.5IO 
100,846 


i'.505 
1.467 


3.427.428 
3.756.603 


4.739 
3.620 






20.667 


89.249 
32.465 
20.930 


1,086 


2.858.817 
1,968,922 


2.710 


327.958 






15.854 
7.930 


1.047 
616 


^•^ 


4,896,100 
2.960,083 
1,480,718 


216,988 
97.490 






6.191 


6,191 


470 


1,640.7x8 


400 


32.311 







a Resenre at 4% per oeat. 



c Reterre not calculated. 



INSURANCE COMPANY. BOSTON. MASS. Commenced Business February i. 1844. 



567.364 
549.780 
517.281 

4498^ 
523.076 

445.831 
405.849 
382.270 
360.504 
390.547 
3iS.<H5 
308,801 



3.079.653 


3.754 


2.803,823 


3.759 


2,82X,X09 


3.276 


2.505.744 


2.773 


2.493.650 
2.'sm!7SI 


2.551 


m 


2.438.833 

2.350,699 


l'^ 


2.343.769 
2.215.850 


l-^ 


2.343.434 


1.543 



xi,792,96o 


28,6x9 


xx,o67.o55 


27,096 


9.291.981 


25.305 
23,817 


7.967.623 


8.034,024 
7.681,937 


22.8x9 
22.065 


6,394.323 


2X.279 


7.235.550 


20.829 


6.190,292 


19.854 


6,311,612 


K 


5.934.788 
4.746.984 


18.750 



84.024,809 
78,954.903 
73.591.241 
69.754,124 

67,241.961 

^» 

61.694.591 
S9.297.737 
57.801.580 
56,148,626 

55.040.488 



21,015,948 
20.582.957 

19,656 672 
19,008,2^7 
18,562.660 
17.780,502 
17.026,978 
16,841,507 
i6 374.085 
16,151.744 
x5.922.932 
15.1x2.342 



IQ.051,204 
x8.xoo.467 
X7,287.259 
i6.d7X,o83 
XS.885.546 
15.203.872 
14.577.090 
x4.263.578 
x3.813.039 
13.504.726 
13.289,916 
13.145.106 



1,964.744 
1,482,490 

2.369.413 
2.537,164 
2.677.1x4 
2,576,630 
2,449883 

2.577.929 
2,561.046 
2,647.018 
2,633.016 
1,967,236 



293 



LIFE INSURANCE HISTORY. 



NEW ENGLAND 



Year. 



PKinionit. 



Interest 

and Other 

Income. 



Total 
Income. 



Death 
Clauns 
Paid. 



Matured 

Endow- 

mentsand 

Annuities. 



Surren- 
dered 
Polices. 



Dividen«1s 
to Policy* 
holders. 



Total 

to Policy- 

holdezs. 



1878 
1877 
1876 
1875 
1874 
1873 
1872 
1871 
1870 
1869 
z868 
1867 
1866 
1865 
1864 
1863 
Z862 
1861 
i860 

1859 
1858 

1857 
1856 

1855 
1854 
1853 
1852 
1851 
1850 
1849 
1848 
1847 
1846 

1845 
1844 



$ 
1.680,023 
2.002,040 
1,996,287 
2.256,494 
a.397.447 
2.440-531 
2.722.351 
2,715,202 
2,708,590 
2,535,126 
2,645,891 
1,946.312 
1.547.613 
1,022,870 

776.315 
645.599 
552.139 
478,292 
481,890 
353.465 

240884 
218,880 

187.985 

165,224 

149.657 
133.064 
119.674 

II4.6I9 
105,187 



820,088 
860.242 

804,531 

864,411 
870,090 

747,782 
641.931 
546.953 
509.303 
398.431 
342.201 
273,766 

247.973 
141. 165 

176.317 
140.549 
122,308 
103. 131 
87,081 

77.354 
65,128 
58,462 

47.7H 
40,760 

40.503 
36.328 
31,811 
23.217 
22,368 
19.376 



2.500,111 
2,862.282 
2.800.818 
3,120.905 

3.267,537 
3.188,313 
3,364,282 
3,262,155 
3 217.893 

2.933 557 

2,987,092 

2.220.078 

1.795.586 

1,164035 

952.632 

786,148 

674.447 

581.^3 

568,971 

430.819 

373.963 

299.346 

266,594 

228.745 

205,727 

185,985 

164.875 

142,891 

137.087 

124,563 
100,927 

88,445 
68,294 
46.1x2 
23.697 



$ 
674.056 
834.661 
806,462 
820,174 
882,122 

759.441 
821.898 
789,099 
700,000 
665,669 
499.000 
366,100 

294.949 

312,786 

223.000 

205,000 

187.660 

131,800 

93.403 

98.290 

73.700 

» 

71.000 
59.613 
55.355 
37.525 
38.050 
32.917 
27.880 



$ 


$ 


$ 


378.237 


346.789 


505.252 
517.469 


239.20s 

280,227 


537.139 


353!88s 
571.116 


470,042 
610,811 


198.595 


56,213 


460.383 
409,615 




471.449 




452.142 


463.383 


36.000 




480,070 


8,000 


417,904 


470.791 




233.644 


720.528 




231,989 
1 10.818 


772,284 




422,460 




91.835 






45.496 




20,150 


iS:PI 




1,000 


52,000 
28.027 
23.354 




1 




35.929 



$ 
1.904.334 
2.128,474 

a.X59»46i 
1.983.465 
1.969.834 
1.640.5PS 
1.737.4^3 
2,105.707 
1.596.^^ 
1,610.841 
i.5ot273 



386,784 

358.282 

280,873 

235.9S6 

240,660 

159,827 

110.756 

98.290 

73700 

94.350 

48.606 

71,000 

59.613 
aoi.328 
42.928 
41.356 
43^88 

37.o» 
80.999 
13.702 
18,8x5 
t.ooo 



Incorporated January 31, 1845. 



MUTUAL BENEFIT LIFE INSUR 



1890 


5.977.870 


2.493.128 


8,470,998 


3.077.328 


243545 


629.086 
691.821 


1,427.940 


5.378.799 


1889 


5.583.836 


2.314.823 


7.898.659 


2,812 696 


181.880 


1,353.420 


5.039.817 


1888 


5.083,389 


2,287,863 


7.371.252 


2.892.324 
2,678,056 


146.624 


628,955 


I 285.897 


4.953800 


1887 


4,808237 


2,256,429 


7,06^,666 


232.124 


592.199 


1,223.797 


4.726.176 


1886 


4.630.663 


2.072,324 
1,862.716 


6.702,987 
6.323.838 
6,127.183 


2.711.440 
2.383.891 


226.013 


571.197 
678.218 


1.180,198 


4.688.848 


'?!5 


4,461.122 


2^.513 


1,120.380 


4.452.00a 


1884 


4.347.965 


1,779.218 


2,169,273 


212,937 


675.248 


1,061,507 


4,118.965 


1883 


4. 159.771 


2,072,629 


6.232.400 


2,190.985 


226.738 


564.96a 
568.440 


981.084 


3.963.769 
4,406,372 


1882 


4.043.812 


1.994.987 


6.037.799 


2,357.168 


273.326 


1.207.338 


I88I 


4.000.302 


1.812,931 


5.813.223 


2,317,101 


399.131 


« 


1.394.269 


4i787!387 


1880 


3.866.379 


1.935.103 


5,801,482 


2,187,863 


» 


1,404.589 


J^l 


3.793 704 


1.916.253 


5.709.957 


2.043.345 
1.762.255 
1,921,008 


795.091 


1.417.273 


4.843.957 


4.044.271 


2,018,970 


6063.241 


652,002 


1.054.33s 


1.487.595 


4.956. 191 


1877 


4,509,016 


2,012,851 


6.521,167 


107.753 
118,597 


'•IS 


1.540,465 


4.673.973 


1876 


4.670.771 


2,011,539 


6,682.410 


1.992,69s 


1.585.795 
2,862.514 


4.534.753 


187s 


4,756,486 


1.995.501 


6,751.987 


1,971,107 


123.851 


569.519 
600,739 


5.526.991 


1874 


4,912,508 


1.827.754 


6,740.762 


1,921,840 


54.568 


1.589.401 


4.166,548 


1873 


5.402.158 


1,769.252 


7.171.410 


1.936.727 


44.009 


484.042 


4.363.545 


1872 


5.344.939 


1.524.117 


6.869.056 


1.911.445 


41.767 


286,025 


1,660,426 


3.900.663 


I87I 


5',6oa!i89 


1,417.908 


6,972,030 


1.554.428 


26,330 


180,354 
341.^ 


2,480.440 


4.341.552 


^Ir 


1.252.358 


6.858,547 


1,397.557 


20,2|I 


1,610.205 
1.507.696 


3.369.627 


^2S 


5.489.387 


1.105.450 


6.594.837 
5.856.546 


1,211,710 


11,683 


266,620 


3.045.720 


1868 


4.952.558 


7481748 


1,072,061 


164 


1.906.313 
644,891 


3.335.222 


1867 


4.191.144 


4.939.892 


825.420 
864.845 


20,164 


1.757.095 


1866 


3.620.533 


630.011 


4.250,544 


•4.375 


129.919 


419.656 


1.418,795 


1865 


2,797.838 


473.752 


3.271.590 


630.945 


3" 


97.795 


336.219 


1,0^.270 



LIFE INSURANCE HISTORY. 



MUTUAL LlFE^Continued, 



Expanses, 
Etc. 



ToUl 
Disbune- 
meDtt. 



312,203 
383.960 
348.325 
3^.963 
333090 
354.973 
471.250 

392.851 

492,360 

471.301 

302.971 

231,595 

128.170 

81,628 

77,917 

58,391 

50,330 I 

46.557 
38,064 

31.753 
24.557 

18.588 

15.251 
12.724 

9.894 
9.230 
8.771 
8.696 
7.638 
7,620 

8.531 
4.905 
3.535 



$ 
2,216,537 

2.511.434 
2.507 786 
2 348,438 
3.302,924 
1.995.478 
2.208.673 
2.468.425 
1,989546 
2.112,201 

1.974.574 

1,202.349 

608,389 

486,452 

362,501 

313.903 

299.051 

210.047 

163.313 

136.354 

105.453 

118.907 

71.161 

89.588 

74.864 

214.052 

52.822 

50,586 

52.459 

45.784 

88.637 

31.333 

27.346 

5.905 

3.535 



Nbw Business. 



No. 



1.542 
2,371 
3.490 

1.925 
2.983 
3.050 
2.799 
3.747 

4,8x1 
5.518 
4.183 
5.342 
3,677 

1.795 

1,658 

1.498 

956 

1,388 

1,007 

806 

532 

666 

519 

453 

503 

488 

343 

335 

557 

461 
435 
459 
343 



Amount. 



4.545.643 
6,725.350 
7.556,456 
5,336.045 
8,200,397 
8.076,864 

6.874.773 
8.942,698 

8,694.903 
13.336.819 
16,378.355 
13.525,212 

15.635.175 
8.501,934 
5 503.750 
4.910.854 

3.899.371 
2646.475 

3.905.25^ 

3.353.700 

3,622,900 

1,719 900 

2,273.800 

1.798.700 

1,330.900 

1,116.150 

1,041.100 

806,725 

733.880 

1,125.332 

1,006.990 

897,840 

985.225 

1,110.274 

948,110 



Outstanding 

IfcSUKANCB. 



No. 



19.202 
20,043 

30.212 
20.768 
21,303 
31.854 
23,337 
33.893 
23.376 
33.668 

31,393 
17,061 
13.009 
9.997 
8.323 
7.040 
6.154 
5.227 
4866 
4,011 
3.269 
3.831 
2.674 
2,624 
2,512 
2,431 



2,062 
1.922 



Amount. 



Assets. 



Lisbilities. 
4%' 



56.154.379 
58,438,077 
58 940,326 
60,660.931 
63.595,608 
64.339.160 
65,964.535 
67.815.733 
69.975.896 
71.877.781 
66.058.9po 
53,748.184 
40.583,724 
31.438.497 
25.492,624 
21,382.324 
18,660,020 
i6,A78,749 
15.654,162 
12,921.684 
10.419.000 
8,884,190 
8.137.927 
7399.827 
6,400.66* 
5.786, ' 



.663 
.378 



4.728.496 
4.368.696 



$ 

14.929.381 

14.835.529 

14.489.647 

14.312,861 

13.438.713 

12.593.673 

11,498,416 

10,401.791 

9.685.483 

8.620.297 

7.487.284 

6,320.942 

5067,383 

3.763.838 

3,098.096 

3,024.037 

3,504 815 

3,183,867 

1,851,117 

1.399307 
1,192,248 
ii 160. 153 
977.219 
790.807 
629.828 
679.749 

549905 
446.026 

413555 
327.518 
223,995 
170.339 
104.313 

18.626 



13,050,428 
12,840.090 
12,830.709 
12.810,205 

12,173.173 

11.324 998 

10.271. I 38 

9.157.601 

8.584.896 

7.477.905 

7.285,915 

5.662.745 

4.315.821 

<» 3-157.273 

a 2,650.366 

<z 2,799.000 

a 1.886.830 

01,652,305 

a 1.461 248 

1 66.571 

a 253.447 

c 18 87s 

f 11.898 

c 21,926 

^25.950 

.^166,593 



Surplus. 
4%. 



$ 
1.878.953 
1.995.439 
1.658.938 
I 502,656 
1,265.540 
1,268.675 
1.227 278 
1,244 188 
1,100.586 
1. 142.393 
201.369 
558.197 
751.562 
a 606.555 
a 447.730 
a 225.037 
a 617.985 
<z 511.562 
a 389.869 
^1,332.736 
a 938,801 
c 1,141,278 
i: 965.321 
f 768,881 
1 603. 878 
^513.156 



a Reserve at 4>i per cent. 



c Reserve not calculated. 



ANCE COMPANY, NEWARK, N. J. 



Commenced Business April i, 1845. 



1.150,009 , 
1,203,014 ' 
939,707 
989330 
959.098 
796.883 
749677 
691.742 
635.459 [ 
983.019 ; 
844.605 
618,385 
822,487 
913,886 

1,030.031 
696.742 
646.347 

711.591 
673.401 

701,416 

715.192 
696,057 
632,895 

507.797 
447,106 
368.423 



6.538.808 


9.264 
7.1^ 


6,242,831 
5.883,507 


5.715.506 


6.289 
6,068 


4.868.643 


S.651 
5.278 


4.655.511 


4.940 


5.091.731 


4.377 


5.577.399 


5.409 


5,631.093 


5.110 


5,77^\67B 


3.368 


2.538 


5.586.859 


3.270 


5.554.774 


3.6S6 


6.233.733 
4,813.895 


4.661 


4.104 


4.975.136 
4.573.064 


3.191 


3.172 


4.942.968 
4.084.819 


3.665 
3.951 


3.741.777 


5.530 


3.958.117 


7.800 


2,364,892 


6.155 


1,865.901 


7,3P3 


1.433.693 


6,819 



34.158.993 

33.317.355 
• 18.911,241 
16.078,834 
14.834.903 
14.836.354 
13.678.384 
13.256,370 
11,031,145 

14.523.938 
13.025.391 

7,917.612 
5,271,180 
7,016,891 
9.674.439 
12549.545 

11.178,803 

8.912.359 
9.573.063 

11,464.600 

14,043,359 

31,789,800 

33.371,691 
24.039.933 

38,193908 

a4.970.856 



65.154 
61,337 

57.954 
55.362 
53.633 
51.846 

50.361 
49.178 
47.837 
46.653 
44.350 
43,286 
41.764 
42.790 
43.307 
43.015 
41.302 
39.938 

36,326 
29.8S8 

86,7i34 

31.931 



172,840,944 
163,617.014 
153.498.633 
147.189.403 
143,186,656 
139.416,807 

135.843.543 
133.298,768 
129,6x9, 105 
127,411,677 
121,466.979 
117,730,346 
119,179.598 
136,193,045 
131,846,985 
I34.IOA.IO3 
131. 938.427 
131.443.818 
133,164,169 
133.137.290 
130,904.083 
139,938.107 
133,538,344 
103,738,037 
93,843,869 
74.178.884 



46.997.433 
45.236.963 

43.514.461 
42,110,662 
40.816,517 

39.635,995 
38,607,396 

37.581,431 

36.300.073 

35.718.813 

35,736,816 

35.239.570 

34.853.625 

34.a99.O45 

33.336.417 

31,300.678 

30,625.126 j 

28.620.956 I 

36,487,232 ; 

34,151,756 

33,140,058 

19,433,208 

16,497,936 

14.391.259 
11,656,739 
'9.173.650 



43.566,148 
41,828.628 
40,158,781 
38.834,065 
37,630.525 
36,465.636 

35.474.943 
34.454.964 

33.439.412 
32.816.471 
31,911.434 
31,497,109 
31.136.571 
30.799741 
30.003.918 
38,685,698 
36,866.iL50 
36.554,831 
24,698.306 
23,050,386 
20.4130,9^4 
16.810,934 
14.316.864 
13.187.378 
8,764.527 
6,535.358 



3.431,274 
3.408.335 
3.355.679 
3.276,597 
3.185.991 
3.160,359 

3.132453 
3.126.467 
3.861.559 
3,903,341 
3.815.382 
3,743.461 
3,7x7.054 
3.499.304 
3.332.499 
3,614,986 
3.758.676 
3 066,136 
1,790,006 
3,xox,370 
1,709.264 
3.611,374 
3 381,063 
3.303.981 
3,892.302 
3.638,293 



300 



LIFE INSURANCE HISTORY. 



MUTUAL BENEFIT 







Interest 




Death 


Matured 
Endow- 
ments and 
Annuities. 


Surren. 


Dividends 


Total 


Year. 


Premtumt. 


and Other 
Income. 


Total 
Income. 


Claims 
Paid. 


dered 
PoUc.es. 


to Policy- 
holders. 


tnPoUqr- 
holdet^ 




$ 


$ 


$ 


$ 


$ 


$ 


*^ 


$ 


1864 


3,089,073 


306.788 


2.395.861 


4I 1.803 


\M 


30,970 


377.063 


726.307 


1863 


1.209.519 


319.272 
258,349 


1.538,791 


387,500 


311,865 


528.016 


1862 


846,707 


1,104,956 


267,050 


x,5i7 


X69.384 


330,1x5 

i66!soi 
X56.832 


664.306 


l86i 


736,399 


234,239 


950,6^ 
876;8i8 


x.5t7 


XI7.973 


567.272 


i860 


763.054 


314 014 


x,5i7 


41,1x1 


476.179 


.IP 


fd\^ 


191.427 


208.354 


906 


25,772 
35.083 


39X.864 


170.987 
152,873 


gsioiS 


343^50 


160 


X54.929 
X48.791 


432.322 


^!57 


543.145 


198.1x5 




30.997 


^S 


1856 


507.049 


138 317 


636!3I5 


169.244 
208.357 




22,329 


X4a.3X5 


185s 


504.859 


121,456 




t^ 


^i'^Si 


3Z*Sg 


1854 




109.198 


S9^M4 


133,800 




136.386 


a8i.86B 


1853 
1852 


474)361 


93.23s 


5x3.7x7 
536,680 


i68!672 




41.124 
30.983 


X3I.X09 

xx8.^ 


308.533 
3a4.X32 


1851 


461.507 


65.173 


140,800 




30.470 


a89.904 


1850 


483.80s 
454.406 


54.557 
43.6x3 


532.36; 
498.0x8 


151,550 
187,400 




"'^ 


"^l^ 


!g;^ 


324.067 


2X.743 


34S.8IO 
308.924 


104.150 






X14 


104.264 


^!*Z 


297.323 


11,601 


4o,'648 
5.000 








Sx.io| 

40.648 

5.000 


1846 
1845 


tUJ 


2,589 


X'M 









Incorporated May 21, 1841 






NEW YORK LIFE INSURANCE 


1800 


36.587,390 


4,896,4x2 
4.587.606 


31.483.702 


6.099,308 


2,368.225 


3.663.564 


2.148.447 
*-*^.329 
3,309.488 


x3.279.544 


x8d9 


34.242,517 
2o,<6o,6io 

xs! 163,469 


38.830,123 


5,033.466 


2,380.382 


2 240,9J3 
8,180309 


Z3.I3Z.Ta8 


x888 


4.310,564 


24.871174 


4,4x3.050 


2,071.264 


10.973.070 


1886 


3.763.953 
3.671,289 


K^i 


3.916.997 
3.757.036 


1.412,287 
1,480,837 


1,881.704 
1,3x5,118 


2.334.333 
3.074,339 
i,69X,369 


9.53S.axx 

7.657,330 


'!25 


12.480,8^8 


3.424293 
2,8^.389 
2,676,592 


15.905.141 
13,832 752 


3.999. 1 10 


1.641.035 


x.350.460 
96x,87X 


7.681.874 


'if* 


xo.959.303 


2,257,176 


x.725.8a7 


x,790.o8i 


6.734.9S5 


X883 


xo.530,940 


X3207.532 


2.263,09a 


i,x53.4H 
930.313 


169.840 


3,413.014 
2,430.887 


6.699.390 


1883 


8.730,871 


2.763.273 
2.498 567 


xx.494.144 


X.9S5.292 


881,8x8 


6.aio.aio 
5.091.820 


1881 


7.834.378 


xo.332,945 
8,824.172 


2.013.203 


vr^ 


375.063 


1.730.369 


i83o 


f:« 


2,278. 7XX 


1,731.721 
1.509.854 


377.363 


x.553*499 


4.499.891 


l^ 


2,021.887 


7,887.126 


X,2XO,Ol6 


5x6,380 


x.525.340 
1.440.930 


4.8az.490 


5.689.552 
5^2,264 


1.958,335 
1,852,121 


7.647.887 


1,687.67$ 
1.638,128 


831.243 


733.000 
980913 


4.807,593 


'o2 


7.574.385 


X24,62S 


tlS:SS 


1876 


S.866.037 
6.X43.432 


1,863.523 


7.729.559 


x.547.648 


1,107.37a 


1.409.309 


1875 


1,800.930 


8;?Sj64 


X.524815 


z.111,742 


835.636 


4.X3x,i37 


X874 


6,549.028 


1.633.53s 


x.469.686 


63,X30 


l:^-^ 


3.8*8.384 


X873 


6,102,009 


I.354.4I5 


7,456,434 


X 446,123 


i8,i8x 


X872 


6,391.735 


x,302.974 


7.594.709 


1.408.520 


1.481,789 


049,070 


3.6yo.o93 
3.286.144 


X871 


6 221.292 


x,T37.97i 


7,359.263 


758,104 


xx,6s3 


X.X05.855 


1870 

x868 


^'?®3l"6 


8x6,2x7 
867,667 


6,^74.482 
5.850783 

3',466;879 


4.X04 
3.083 


S3X.6a4 
241,807 


X.058929 


2.863.S00 
2.538.393 


3.624.898 


758.1x2 


741.043 
S61.921 


2.663 


X33.aox 


2.102.773 


X867 


2,977,623 


358.881 


4.X7X 


99.722 


381.959 


1.047,773 


x866 


2,549.931 
X.929.68S 
1,348.306 


3,908,8x3 


483.X97 


x,688 


43.998 


383,334 


808.107 


X865 


251.809 


2.X8X.494 
1,591.609 


490.522 


1.893 


43.0IX 
62.XXO 


250.384 


785.810 


'S5* 


243.303 
X41.645 


3x5.200 


2,057 


93.555 
97.X78 


^^ 


'2^ 


X, 166,225 
568.916 


1,307.870 
687.250 


295.850 


x,256 


474.881 


1863 


xi8,334 


169,297 


^ 


50.XX6 


99.659 


^^ 


x86i 


478!o76 


99.224 


599i6S 


x69,369 


74.660 


^» 


i860 


X2i,530 


204.007 


108 


31.374 


274.155 


lilt 


460,136 


79.067 


550.477 


243,046 
xp3.2x8 


• ■ • ■ 


3X.X82 


32.498 


305.726 


413.296 


492,363 


.... 


38.839 


29.546 


231.603 


^lll 


389.422 


80,331 


» 


X76;558 


.... 


34,1x6 


T^m 


197.851 


X856 


355.239 


55 » 878 
38.6x4 


• >•> 


25.377 


990.798 


X855 


317.240 


373.1x8 


X35.727 


.... 


X9,34a 


30.X83 


175.151 


1854 


3x0.609 


Pl:^ 


X73.674 


1,338 


44.X53 


X3.606 


332.661 


X8S3 


32449s 


4X.929 


X3X.960 


400 


9.932 


XI.74J 
7.190 


154.036 


X853 


325.304 


^•94$ 


352.250 


xo6,io6 






1x3.302 


X851 


30X.54X 


x8,7t>8 


320.249 


157.054 







3.451 


160.505 



LIFE INSURANCE HISTORY. 



SOI 



lAVB— Continued. 



^"^r- 


Total 
Dubune- 
mentt. 


Nsw Butmsss. 


OVTSTANDING 


Assets. 


Liabilities. 
4%. 


Surplus. 




No. 


Amoont. 


Na 


Amount. 




371,368 
154.971 

88,9x3 
86,393 
68.936 
58,301 
56979 
56.077 

55.499 
SO.83X 

49.^ 
43.«8 

33.001 
31.998 

14.789 
5.500 


775.077 
653.843 
565.099 
478.156 
501358 

^•? 

430.169 
337,990 
359.364 
373.150 
339,919 
979.065 
346,334 
197.9% 
89.333 

55 437 
10,500 


7.099 
3.5" 

1.435 

X.337 

849 

599 

431 

438 

496 
499 
747 

••1 


$ 

93.x74.ilS 

11,910,393 

5.696.350 

1,969.650 
x.5io,X40 
1,313.150 
1.377.670 
1.743.950 
1.630,750 
1.533.750 
9,933775 

3,8x8,360 
s.057.910 
6,717.790 
3.3x0,403 


16.931 

X0.86T 

7.9x9 

7.036 

ll 

5.131 
5.033 
5.094 
5015 
5.039 
5.191 

5.903 

5.373 
5.063 

4.157 

9,793 

634 


55.037. x68 

36,385,443 
36,140,051 

93.481.353 
95.496.538 

f9:asg 
17.477.157 

x6.7oa,797 
x6,o69.ao7 
15.8ao.077 
15.538.339 
X5,i88.507 
15.335.107 
x5.004.790 
X5,025,T90 
x4.774.060 

X3,3I3,3XO 

8.365.518 

9,xxo,7i7 


7.X3^.38o 
5 466.3x8 
4.439.939 
4.109.353 
3.8XX.793 
3,400.583 
3.001,931 
9.743.396 
3,484,519 
3,330.005 
9.033.859 
1.774.005 
1.559.099 
x,38i.oo9 
1.199.449 

^% 

444.315 
198,795 
55.098 


4.691.897 

a3,640.xo9 

a 3.006.634 

tf 3.005,547 

tf 3.890,454 

9,833,709 

9.495.303 

8.368,X90 

3.088.541 

X 858,633 

x,739.694 

^'} 
1.418.417 
X, 344.066 


1:« 

X. 433,598 
x,xo3,8o6 
991.969 
566.813 
506,618 
475.136 
395.971 
371.383 
301,165 

"140*675 
136.943 



a Resenre at 4% per cent. 



c Reserve not calculated* 



COMPANY, NEW 


YORK. 






Commenced Business April 17, 1845. 


6.683.3x9 
5.75A.838 
4^x0.540 
4.300.314 
3.183.977 


X9.96x,863 
17.875.950 


45.754 


159 5A065 
X5X, 1 19.088 


173.469 


569.338.796 
495.601,970 


xi5.093,966 




15.069.047 
x5.654.363 


39.499 


150,381 


104,415.333 
03,685.063 
83,506.354 


88.761,059 
79.13S.963 
70.659.561 


15.389,610 
13.895.595 


33.334 
38,533 


X35,oi9,73i 

xo6,74g.99S 
85,178,294 
68.53x.453 


X39,9ix 
113.393 


35S'.93S'.53^ 


13.549.099 
11,846.793 
X 1.764.3^ 


10.8x0,307 


93,037 


» 


304.373.540 
959.674.500 


74.921,937 
66.4x5,406 


63.157.551 
56,716.330 
59.393.589 


3.639.646 


9.790,030 

8 931.376 


18.566 


9.799.176 


3,991.664 


17.463 


6x,484.550 
59.735.564 


78.047 


939,383,586 


58.941.739 


6.6i8,X58 


?:^^:g 


15.561 


69.937 


198,746.043 


55.302.315 


48,045.993 
43.478.970 
39.895.708 


7.156.391 


7.996138 


X3.178 


4X. 395.590 


60.150 


X7X,4i5.097 


50.550,989 


7.073,012 


1.475.695 
1,317980 


6.567.515 
5,717.871 


1:?:^ 


33,374.38x 


^:^ 


x5i.76o,834 


47,044,269 


7,318,561 


93,339,979 
17.098.173 


135.796,916 


38!858.83i 


36.397.173 


6,703.969 


1.158.365 


i^^ 


5.594 


4S.7P5 


137.417.769 


33,484,437 


i^:tS 


1.033973 


S.083 

6.597 


45.005 


135.333.H5 
137.901,887 


36.643.993 


39175.308 
30.809,6x3 


1.505.694 
955.936 


5.873.464 
5.198.104 


30.156.639 


4S.6P5 


34.787.610 


3.977.997 


6,514 


3o.o6a.iii 


^S 


137,748,473 


33.163.715 


39.326.384 


3.937.431 


739.693 


4.860.760 


7.099 


3X,c64.i90 
31 809,389 


136,133. 119 


30.505. X92 


96,975.863 
34,803,115 


3.599.959 


749,870 


5.|oa.29i 
4i597.886 


7.954 


43.398 


132,835.133 


97.179.394 


?;L1;^ 


830,533 


8,834 


36,631,460 


43.160 


193.672,386 
118,622,605 


94.349.459 


33,719,164 


907.793 


8,910 


97.096.373 
34,603 300 


» 


91.533.061 


30.313,603 


X,3I9,458 


854.336 


4,140,479 


8,908 


113,154.809 
111.255.358 


i8.S95.8i7 


17.591.774 


'■'^^ 


I.P5S.680 


3.919. 180 


9.995 


97.051.995 
34.104.384 


37.266 


15,861,331 


15.366,333 
13,359,626 


1,03^,319 
736.360 


3.569,719 
9,839,123 
1.544.883 


10735 


33.145 
98.340 


103,133,513 


13.434.935 
11. 000, 833 


1.165.998 


9.119 


30.774.108 
23,678, X 17 


' 86,733,575 


9.775.970 
8,120,569 


i,334,8«^3 


497.109 


6.666 


33.003 


69,406.478 


9.159754 


1.039.18s 


434.800 


1,343,907 


7.996 


99.734.308 
16,326.570 


30,847 


60,433.749 


7,009,093 
5.018.449 
3.741.078 


5.955.930 


1,053,863 
685,967 


333.681 


1.119.491 


5.138 


16.077 


45.485.796 
34.651.300 
36,194436 
93,393,864 


4,339.489 
3,181.851 


351.671 


794.593 
1.094.899 


4.905 


13,148,308 


X3.930 


If?:^ 


M5.734 


4.675 


11.339.934 


9.949 


3705.667 


s.431,039 


134.775 


454.803 


3.309 


7.734.645 
3.364,850 


7.733 


3.593.633 

1.767.883 
1.592.139 


9 553.604 


39.099 


103,173 


470,640 


X,30I 


5.125 


i6,4n 359 






96.960 
87.497 
71.993 


371.115 


^•22* 


3,033.375 


4.856 


16,388, xoo 
x5.284.718 
'3-55.478 






303,836 


^ 


1:^:1^ 


4.417 
4.396 








» 


7x1 


8.675,103 


4.959 


19.778.938 


1.395.806 






706 


3,344,0x0 
1,467,900 


3795 


11.385,136 


1.195.383 






99X,X55 


474 


3496 


xo,377.ioi 


'■|-'^ 






46,594 
53.156 


979.955 




1.429961 


3.430 


xo,390,663 






907.19a 


X.943.07I 


4!x88 


10 5x0 000 


636.670 






59090 


179.39a 


3,514.500 


10.325,000 






57.748 


9X8,353 


1.399 


3,330,900 


4.000 


9,493.000 


456.751 







302 



LIFE INSURANCE HISTORY. 



NEW YORK 



Year. 


Premiums. 


Interest 

and Other 

Income. 


Total 
Income. 


Death 
Claims 
Paid. 


Matured 
Endow- 
ments and 
Annaities. 


Surren- 
dered 
Policies. 


Dividends 
to Policy- 
holden. 


Total 
to PoUqr- 
holdexi 


1850 
184s 


356,852 

120,491 

144.441 

69.437 

41.746 

22,603 


16,070 
33 


$ 

272,922 

127.670 

148,355 

71.377 

32,636 


76,186 
53.710 
39.950 
".744 
6.994 


$ 


$ 


$ 


$ 

77.933 
54.542 
40.307 
xi.79» 
6.9W 



Incorporated March 16, 1844. 



STATE MUTUAL LIFE ASSURANCE 



1890 
1889 
1888 
1887 
z886 
1885 
1884 
1883 
1882 
188T 
1880 
1879 
1878 
1877 
1876 

1875 
1874 

1873 

1872 

1871 

1870 

1869 f 

1868* 

1867 

1866 

1865 

1864 

1863 

1862 

1861 

i860 

1857 
1856 

1855 
1854 
1853 
1852 
1851 
1850 

'^t 

1847 
1846* 



1.385.731 
1,201,560 

798,340 
694.555 
572,130 
467.136 
382.871 
330,681 
303.903 
377,368 
373053 
373.453 
289.587 
287,060 
310,264 

385.594 
356,518 
195.963 
172,093 
230.812 
137.379 
111.909 
80,611 

76.413 
65,230 

62.43s 
60,279 
58.581 
54.691 
52,233 
50.504 
47,170 
47.106 
41 681 
46,374 
37.053 
43.985 
37.187 
43.242 
35.609 
33.143 
19.950 
11.414 



286.887 
242,827 
224.161 
303.124 

189,539 
220.356 

173.587 
X43.751 
118,197 
128.732 

123.174 
122,003 
115.478 
"0,544 
108,635 
108,814 
105.707 
98.945 
81.723 

^M 
110,014 
57.162 
57,637 
48,826 

53.623 
38.439 
39,167 
27,649 

25.427 
20,691 
16,776 

16,716 

15.879 
12,832 
13.978 
10,502 

t:^ 

9,420 

4943 
12.242 



1,672,608 

1.444.387 
1,257,684 
1,101,240 

987,879 
914,911 
744.717 
610,887 
501.068 

459.413 
437.076 

388.531 
383.997 
398.222 

395.874 
415.971 
384.539 
338.341 
373.435 
341.759 
340,826 

194.441 
169.546 
129.437 
130,036 
103.659 

? 1,602 
7.928 
84,008 
75.382 

69!8^ 
63786 
62.985 
54.513 
60,252 

47.554 
52.379 
45.753 
51.662 

40.553 
45.385 
19.950 
11,414 



370,317 
282,003 

329.075 
821,687 
.336.867 
218.621 

167.744 
126,969 
109.105 
124.422 

ZIO,208 

99.605 

129,211 
97.138 
83.955 



66,637 
64.199 
53.513 
Z03.618 

77.015 
37.866 

55.073 
46,566 



H: 



38.444 
33.582 
32,567 
16.969 
19.554 
37.133 
13.691 
13.670 
35.379 
ai.269 

30.844 
26,300 
18,000 
18,500 
20,200 
22,500 



53,66a 
54900 

f 5.000 
1.393 
93.053 
63.155 
64.301 
63,540 
61.875 
47.000 
11,700 
14.400 
6,8ao 
6,000 
10,770 



1,000 



"3534 
97 595 
73.983 
46,272 

39.787 
40.333 
28,575 
14,041 



t8i.333 
158.439 
161,400 
141.62^ 
135,9x8 
131,361 
102,186 

f7'353 
81,218 
88.184 
83.761 

77.626 
74.982 
73.887 
80,573 
78.545 
68.X90 

48I408 
8,360 

40,841 
85.033 



g: 



.63.995 
45.595 
30,345 
17.143 
13,395 



618,836 
592.937 
619.458 
490.97s 
494.^5 

t^ 

391.903 
261.533 

268.470 
212.527 
208,350 

237.13* 

196.4^ 

193,160 

209,837 
186,305 

158.803 
127.159 

iao,5» 
115.033 
176,0x4 

123.504 
126,703 
56.037 
50.334 
100,095 

41.603 
70.233 
18.949 
21.279 
49.932 
14.391 
15.M| 
53.008 
22.285 

33.53s 
39.8? 
19.346 
19.129 

20.200 
22.500 



t Nineteen months ending December 31, 1869. 



* Year ended June x until 1869. 



Incorporated June 12, 1846. 



CONNECTICUT MUTUAL LIFE INSUR- 



il 


4.41657s 
4.418.336 
4.436.285 


1887 


4.432,465 



3.398 466 
3,282,885 
2,987 191 
3,042,897 



7.8IS.04I 

7,701,221 

7.423.476 
7.465.363 



^;« 


796,353 
632,207 


461.707 
494391 


1.160.368 


3.197.983 


ooi!996 


539.228 


3.058.734 


576.310 


1.177,361 



5.833.59a 
5.839.313 
5.385.348 

5.4i4'3oi 



LIFE INSURANCE HISTORY. 



308 



LIFE— a^if^'uMof. 



Ex^jjc., 


Total 
Disbune- 
ments. 


Nsw BusfMUS. 


Outstanding 
Insukancb. 


AsseU. 


LUbflities. 
4J<. 


Surplus. 

4^. 


No. 


Amonnt. 


No. 


Amount. 


$ 
52.047 
35.637 
30.386 
15.048 
10,431 

5.141 


$ 
139.95 
80.169 

70.693 
36,840 

17.425 
5.14I 


x!o69 

1,831 

632 
449 


i 
3.536.400 

1,446.408 

i.3«6,838 

929.038 


3.671 
2.834 
2.474 
1.271 
793 
359 


7,816,000 
5.553,000 
4,733,000 
3,831.000 
1,846,000 
799.000 


354.755 
3x1,803 
16J.303 

86.739 
42.203 
17.496 


$ 


$ 



COMPANY, WORCESTER. MASS. 



Commenced Business June i, 1845. 



315.468 

355.445 
216,640 

193.479 

164,821 

155.308 

126,834 

xii.896 

81.921 

62,670 

52.194 

43.546 

42.725 

41.706 

46.554 
46.833 
44.623 

46,445 
48,118 

S-^ 

39.963 
34.493 
48,517 



33.875 
30,871 
31,106 
'i6i947 
Vs.718 
13.033 



1^:^ 


2.377 


2.0Q5 


659.446 
598,777 


1.769 


\:^ 


1.342 


489.640 


1,011 


403.799 


n 


343.454 


331.140 

2U:2Ji 


374 


260,856 
238,111 


223 

391 


238,714 


29s 


256.669 


463 


230,927 


510 


205.248 




175.277 


157.829 


638 


141,994 


339 


215.977 


506 


147.997 


503 


175.220 
56.037 


434 


304 


50,334 
124.870 

43.^7 


304 
230 
109 


41.603 
91.104 


\^ 


18.949 


19a 


21.270 
71.038 


356 


14391 


177 


15.123 


134 


69.955 
22,285 


141 


337 


32,535 


361 


55.550 


275 


19.3*6 


189 


19,129 


538 
439 


232,232 






530 



7.360.07s 
6,094.748 


12,380 


11.007 


5.152.202 


9.826 

8.797 


4.246317 
4,300,821 


7,902 


4.132.316 


7,oao 


2.980,594 


6,243 


2.900,539 


5.7" 


1.658,200 


5.X65 


1,098,500 


4.845 


856,000 


4.731 


696,500 


4.650 


614,300 


4.732 


703.500 

871.500 

1,283,500 


4.745 


1,233,500 


1.149.500 
1,448,000 
1,165,000 


3.973 


3.711 


605.200 


l-M 


956,000 


1,053,500 


3.147 


1,040,900 


2,810 


542.000 


2,402 


496,100 


2,236 


336,800 


X 


131.030 
167.300 




269,900 


1,836 


315,300 


1.867 


249.300 


1,814 


363.550 
278.400 
208,433 


1.747 


210,300 


320,150 


1.846 


445.975 


1.732 


300.300 


1.705 


249.997 


1.745 


449.950 


1,704 


U:^ 


1,609 
1.379 


673.520 


969 


900.725 


530 



35.017.951 

23,387,840 
20,968,635 
18 367.407 
15.832,144 
14,162,113 
12,016,345 
10.650,835 
10,112.935 

9.736.510 
10,503.465 
10.461,924 
10,309,271 

0,874.331 

8.998.971 
8,219.525 
7.758,803 

6! 142! 860 

5,824,075 
s.423.075 
4.63317s 
3.716.17s 
3.295.078 
2.889,875 
2.755.975 

2,762.658 

2.793.358 

2,812,958 

2,699.508 

2,604,808 

2,451.853 

2,304,008 
2,230,375 
2,510,975 
2,441.175 
2.570,32a 
2,271.747 

2,243 375 
2,468.430 
3,301,145 

1.574.245 
900,735 



6,396.572 
5,659,304 
5.066.985 
4,608,170 
4.186 241 
3,886,936 
3.549.301 
3.301.788 
3,099.248 
2 971.511 
2.777.771 
2.533-357 
2,338,844 

2.237491 

2,081,394 

1.926,557 

1,844,220 

1.587.795 

1,407,917 

1.251.978 

1,146,672 

092,298 

8i8,44i 

777.633 

669.399 

711.472 

639.525 

593 797 

571.038 

529736 

477,619 

437.581 

393574 

330.867 

280.760 

250,631 

228,983 

197.504 
186,149 
163,864 

144.427 

113.821 

90.740 

78,633 

61,437 



S.536.567 
4.8M.155 
4,369.335 
3.815458 
3.415.161 

3 837.648 
2.637.398 
3.453.804 
3,333.407 
3,191,075 
3,020363 
1.963.496 
1,851,084 

1,763694 
1,681,820 

1,574.381 

1.393 701 

1.246,599 

1,107,811 

1,026,903 

885,082 

792,930 

641,831 



860.005 
835.049 
797.750 
792,70a 
771.080 
777.438 
721,653 
664,390 
646.444 
649.104 
586,696 
512.994 
375.348 
386,407 
317.700 
244.737 
369.839 
194.094 
160,318 
144,167 
119.770 
107,316 

55.511 
135803 



ANCE COMPANY. HARTFORD. CONN. 



Commenced Business December 15, 1846. 



1,035,106 

1.077.087 

1,313.796 

993.682 



6.858.788 


3.772 


6,916.400 


3,458 


6.699,1^4 
6.407.983 


3i8i3 



10,630,345 


64.147 


9.356,204 


63.830 


9,068,990 


63,660 


9.370.874 


63.483 



153.234.742 
151.739.494 
I51.36I.9I3 
150,992,498 



57 447.441 
56,637,121 



52,686,476 

52,451,475 
51,888,782 
51,140.390 



6,054,767 
5.410,891 
5.558,659 
5.486,731 



304 



LIFE INSURANCE HISTORY. 



CONNECTICUT MUTUAL 







Interest 




Death 


Matured 

Endow- 

menu and 

Annuities. 


Surren. 


Diridends 


Total 


Year. 


Premittnu. 


and Other 
Income. 


Total 
Income. 


CUims 
Paid. 


dered 
Policet. 


to Policy- 
holden. 


to Policy 
holdenT 




$ 


$ 


s 


$ 


9 


$ 


$ 


9 


1886 


4.464,5^ 


3.960,463 
3,108.948 


7.435.007 


3,819.344 


693.778 


663611 


I.189.132 


5.385.001 


1885 


4.543.305 


7.051.213 


3.165.604 


^^ 


i.3oa,ig 


S.834.584 


1884 


4,7^7.437 


3.794.577 


7,503,014 
7,870,333 


a.753.375 


816 475 
779.178 


i!i89;696 


5-SJ2.«6 
5.781.85a 


1883 


A:e.2<,.^ 


3.041.135 
3.701 .o6e 


3.178.774 


» 


1883 


4.9QSfJ30 


?:IK 


3,501.039 
3,896,376 


901.486 


1.330.501 


6io84,334 


1881 


5.2^«,BI2 


3,931,954 


833.371 


1.081,33s 


J;^^ 


1880 


5^47.^3 


3,903,777 


8.150,060 


3,733.084 


953,063 


I,S06!4S6 


6.413.695 


\^ 


S 75^443 


3.303.8i9 
3;697;363 


8.954.39X 


3.774.384 
a.356.046 


970.881 


1,805,365 


7.136.986 


^.o?'7,i38 


9,430.425 


311.398 


956.483 


a.346.138 


7.312.768 


1877 


fj. 49^,^19 


9,193,381 


3.6^7.611 


3.511.776 


7.1*4,383 


1876 


6.735,131 


3.893.993 


9,610.114 
9,818,401 


3,389.948 


3.461 .031 


6.0I8.7S9 


1875 


7,165.4^ 


3.^3.933 
3.536.859 
3,330,183 

1.969.841 


3.578,106 


144.346 


941.005 


3.543.556 
3.037.873 


6.006913 


1874 


7.513,154 
7.631.538 


10,019,013 
9,861,730 


3,571.304 


39.000 
6,700 




6.438.150 


1873 


a.373.356 


m;S2 


3.107.009 


6.a70.474 


187a 


7.715.068 


9,68^.909 
9.728.941 


3,309,987 


3,000 


3,906.313 
4.835.940 


S.797.010 


1871 


7,803,^92 


1,935,449 
1.789.670 


1.793.S07 


1,000 


x.011,035 
864.0^ 
376,917 


7.631.482 


1870 


9.631.470 


1.751.959 
1,438,859 




3,429.431 


5.045.448 


1869 


6,318,830 


1.366,336 


7.585.166 
8,303,318 




1.409.961 
9^.577 


3."5.737 


\^ 


6;a84;695 


1,164.500 


1.366.675 




^:a^ 


3.513.698 


933.000 


7.307.695 
5,9x1,306 
3.890.666 


1,179.931 




^6,916 


3.064.517 


\^ 


5.331.573 
3.333.716 

3,381.954 
1.400,585 


679,633 

557.950 


?S;?p 




04.142 

8x,6i3 


541.379 
385.943 
343.707 


1.603.333 
i.a3S.69a 


'5$s 


403!647 


3.M8.371 
1,803,333 


^'i^ 




'^J^s 


»72^S9 


1864 


376,890 




2W.370 
3i6,a89 
301,836 


707.07s 


i8g 


978.341 
831.035 


3S'»|<5 


1.345.477 


339.590 




36,047 
99.185 


582.1^ 


1863 


386,46s 


1,117,500 


254.440 




555-461 


1861 


815.7" 


361,437 


1,077,138 


333,900 


5^ 


44.937 


199.551 


467.878 


i860 


731.317 


335.505 


8oa,8oA 
776.418 


353,930 




51.033 


330,166 


SP3713 


IsP 


6i9i7S 


197.913 
183,03a 

156.987 


3X'J.05O 

338,835 




47.053 

i6,9oa 
89.539 


497.841 
515.893 


1857 


619,431 


308.901 




334.493 
a2a,7;6 


5M.943 


1856 


633.411 


JS:|S 


» 


368,990 




107.966 


599.70a 


1855 


643,083 


353.133 




85.917 
86.573 


301.599 


540.6|9 


1854 


663,339 


97.701 


737.0I3 


"5.453 




134.04' 
78.351 


406.067 


1853 


77,843 


741.173 


^^•4^Z 




69.010 


336.678 


185a 


690.969 


51.737 


742.706 


196.888 




36,155 


30.795 




I85I 


670.595 


35.836 


696.431 


163,716 




2.989 


11,557 
1.384 


1850 


?« 


9.746 


^JZ'^^S 


83,600 




526 


84.410 


\^l 


370 


i86.:»58 


17.750 




33 


187 


17.959 


46.653 


"3,503 


46.653 


3.500 




.... 


73 


3.572 


1847 


".835 




".835 













* Interest returned on ** Guarantee Fund *' in excess of amount receired. 



Incorporated February 24. 1847. 



PENN MUTUAL LIFE INSURANCE 



1889 


3,608,191 


938,676 

8a3.88o 


4.546.867 


1,068,909 
860,843 


183,571 


333,913 
210,434 


596.067 


3.071.459 


3.084,563 
3,636,391 


3.908,443 


180,388 


532.383 


1.790.047 


1888 


717.464 


3.353.755 


823.324 


75,237 


303,003 


519.533 


1.690,096 


1887 


3,341,497 


» 


3.000,371 


632;948 


64,343 


216,450 


437.947 


1.313.134 


x886 


3,058,169 


3,708,795 


66.615 


165.271 
208.959 


tl^:Z 


l.a79.i3S 


1885 


1,836.701 


543.512 


3,370,313 


603,413 


54.895 


i.342.aj7 


1884 


1,643,314 
1.505.800 




3,140,373 


41.523 


135.139 


363.193 


1.037.521 


1883 


496;!^ 


1.969.368 


67,680 


"7.494 
94.716 
84.309 


310.143 


1.097.730 


i88a 


1.315.379 

1.056.488 


1,811.979 


468.75s 


63,933 


287.295 


913.708 


1881 


413,868 


1,603,533 


489.593 


92.255 


277.377 


942.534 
897.077 


1880 


403.274 
374.548 


1,459.76a 


406,730 


105.130 


138.937 


356,300 
234.819 


1879 
1878 


1,039,043 
1.084.038 


1.413.590 
1.486.354 


370.973 


77.719 


i83,oao 


865.531 


403.336 


35^251 


30.371 


335.26a 


330,381 


947.^ 
761.365 


1877 


1.159.154 


383.015 


1.543.169 


35,300 


303,378 


230.953 


1876 
1875 


1. 173.395 
1.043.731 


1,493,187 
1,601,413 
1,033,883 


306,184 


13,350 

xi,7oo 


195.579 


329741 
285.933 


1874 


813,014 


3ai,869 


365.750 
378,013 


2,568 


274.389 


630.574 


1873 


^X 


360,839 


1.336,037 




53.198 


370.721 


801.93a 


187a 


310,317 


1.094.958 


383.850 






467.485 


791.899 



LIFE INSURANCE HISTORY. 



306 



L,l¥B^CofUinura. 



EzpftnMft, 
Etc. 



Total 
Dubune- 
mentt. 



$ 
1,011,268 
i»zoi,937 

987.539 
1,045.163 
1.055.318 

1,018,980 

906,242 

954.557 

z. 016. 061 

1,042.275 

987.680 

1,049.398 

1,004,105 

953.915 

1.099.376 

941.829 

813.757 
977.012 

956,973 
679.564 
473.707 
343.488 
188.793 
112,511 

73.631 
63.004 
53.245 
5a.276 
49.559 
53.863 
53.257 
53.428 
56.846 
69.407 
48.332 
36.917 
8,716 
1.095 



Nsw Business. 



No. 



Amouot. 



Outstanding 
Imsukancs. 



Mo. 



Amouot. 



Assets. 



Liabilities. 
4^. 



$ 




6,296,269 


3.440 


6.926,511 


3.752 


6.499.845 

6,827,014 


3.213 


6.364.812 


3*.68i 


7,216,301 

8!o63!228 
8.267.325 


4.052 

0,213 
6,028 


8,140,344 
7,o6i.03i 


7,194,602 
7,477.548 


i:i^ 


7.274.579 


5.679 


6,750.925 
8.730.758 
5.987.687 


5.520 


7.316 
10.608 


3929.494 


8.565 


3.490.710 


11,900 


l-^% 


13.153 
14.138 


1.708.399 


10,063 


"4t:IS 


8 115 
5.673 


694.637 
648,903 


3.385 
1.156 


557.739 


1.735 


577.344 


1.254 
843 


575.319 


^7 


649,361 


673 


594.513 


939 


458,334 


935 


390,106 




310.694 


3,m 


247.669 


5.589 


"Si 


4.343 


3.75X 


1.095 


.... 



$ 

8,395,830 
9.007.390 

7,383.710 
8,579,008 
8,464.005 
8.564.750 
9.597.908 
10.707,194 
13,073.498 
15.301,735 
15.89s.996 
15.777.454 
19.965.334 
15,607.263 
14,503.090 
20,487.899 
36,585.541 

26,107.150 



I.466.i9i> 



63,027 
62.995 
62.934 

^M 

63.913 
64.343 
64.504 
64,979 
66,252 
66.618 
66,209 
65.316 

S7.049 
S5.8g 
50.466 
43.108 
31.171 
24.054 
16.500 

11.930 
10.433 
10.461 

81633 

8,563 
8.786 
9.336 
9.414 
9.903 

11.008 
6.700 



$ 
150,538,933 
151,301,588 
153,830.685 
155.433.409 
157.105.731 
159.039.868 
163.105,367 
164,585.123 
170.319.164 
178,280,63s 
183,414.408 
185,076.848 
185.366.633 
181,808,730 
181,736.840 
183 785,336 
181.365.762 
177.356,621 



$ 
55.696.218 

S4.374.075 
53,436,713 

52.568.515 
51.578,411 
48.761,453 
47.913.839 
47,314.739 
48.119,743 

47.496.151 
46.163.497 

43.410.594 
40.378,979 
37,628,631 

34.896.755 
31.885.525 

30.915.957 
27.566,479 
33.500.008 
18,148 623 
13.836,840 
10,104 309 
7,918.896 

6,030,544 
5.008.850 
4.358.010 

3.889.411 
3,370,008 
3.000.533 
3.706.766 

2.473037 
2,271.837 

2.154.489 
1,980,171 

1.701.673 

X.35J.036 

918.407 

469.803 

184.959 

43.601 

10.740 



$ 
50.467.537 
49.706,796 
40,334,076 
48.539,294 
47898.363 
46.871.936 
46,154.834 
45.371.^69 
44.789.675 
43.839.910 
43,154,958 
39.483.548 
36.516,553 

33.544.447 
39.869,513 

20,330, I4b0 
33,340,587 
19.339,453 



Surplui 
4%. 



$ 
5,338.681 
4.667.379 
4,306,636 

4,C»9,22I 

3,680,048 
1,889.526 
1.759.005 

1,843,460 

3330.067 
3.656,241 
4.008.539 
3,927,046 
3,862,427 
4,084,184 
5,027,242 

5.665.385 
8.575.370 

8,337.026 



COMPANY. PHILADELPHIA, PA. 



Commenced Business May 25, 1847. 



841,476 
771.923 
609,2^ 
538.748 
488.417 
4x8,501 
374.800 

318,188 
389.660 
237.464 

ai5.i77 
3x9.477 
347.894 
337.548 

154.767 

X34.943 



2.912.935 
2,561,970 


I:il2 


"•?9.388 
i.8si,&2 
1.767.542 
1.760.507 


si 118 


1:1 


1,412,331 


1,444.730 
1.231.896 


3.937 
2,634 


1,232.193 


2,437 


1.134.541 
1,080,709 


3.122 


1.732 


1165.536 


1.554 


1.061.533 


3,302 


1,139.908 


3,434 


958,294 


1,336 

1.514 


926,842 


794 



30,663,373 

18,418,000 
14,786,090 
13.817,177 

11.531.500 
8.430,635 

6.373.186 
6,846.535 
6,495.480 

6,017,976 

4.791.405 
4.027.139 
3.394.796 
5.371.841 
6.959.373 

6.556.543 
3,961.565 
4.146,346 
2,320,895 



35.345 
31.408 
27.714 


90,378,701 


S:» 


24.909 


61,018.805 


33.168 


53911.873 


19.834 


47,989,233 


17.743 


43.979.860 


16,483 


41.531.675 


14.973 


38.194.522 


13.508 
13,334 

11.189 


3il6o8!564 


29.678.033 


10,731 


29.274.597 


10.905 


30.757.072 


10,643 
9.545 
8.175 


li:5W 


24,521,171 


7.739 
7,066 


24.309.774 
33,824,211 



16.485,438 

15.093494 
13721,469 

12.519.093 

11,352.202 

10.338.654 
9.605.390 
8.957.141 
8.449.908 
7.839 278 
7.431.249 

7,006,306 

6,605.272 
6,242230 
5,896.602 
s.337.238 
4,621,573 



4.ioi.ig 



3.83S.< 



14.758,528 
13256,193 
11.933.707 
10,743.903 
9.797.598 
8.967.003 

6,202,680 
5.896.936 
5.653.853 
5.397.766 
5.066.161 
4,687.722 
4,221.340 
3.601,970 
3.495.644 



1,726,910 
1,837.301 
1,787,762 
1.775.190 
1.554.604 

1.370,751 
1.223.557 
1,250,273 

1,231.210 

1.228.569 

1,109.370 

951.419 

844.464 

830,441 
649.516 
400,233 
499.163 
339.423 



806 



LIFE INSURANCE HISTORY. 



PENN MUTUAL 





• 


Interest 




Death 


Matured 
Endow- 
ments and 
Annuities. 


Surren- 


Dividentis 


Total 


Year. 


Premiums. 


and Other 


Total 


Claims 


dered 


to Foticy- 


to Policy- 






Income. 


Income. 


laid. 


Polices. 


holders. 


holder. 




$ 


$ 


$ 


$ 


$ 


$ 


$ 


$ 


1871 


887,545 


219,679 


I,I07,22A 
1,153.976 


168,000 




80.428 


983.357 


531.785 


1870 


945.584 


907.692 


231,200 




61.599 


151.460 


^S 


1869 
1868 
1867 
1866 


737.167 
582,06a 


182,580 


919.747 


iai.700 




30.936 


108.660 


190,938 


703,000 


141,600 




99.579 


98.050 




















1865 


















1864 


















1863 


















1863 


145.611 
















1861 


















z86o 


167.503 
















^559 


156,010 


77.898 


933.908 


40.200 




X4.951 


18.010 


73.i6r 


1858 


















1857 


















1856 


153.630 
















1855 


















1854 


















1853 












...... 






1852 












••.... 






1851 


107,187 


7.816 


115.003 


54.800 






3»099 




1850 






II5.IQ5 












J^ 






74.360 


21.239 










43.055 


1,107 


44.163 


S.ooo 











Incorporated July 17, 1848, 



UNION MUTUAL LIFE 



xH^ 


789.364 


276.998 


1.091.967 


493.357 


139^396 


67.993 


95.994 


736.600 


794.117 


1.001,115 


357.699 


127.393 
149,839 


39.474 


95.356 


549.&t5 


1888 


711,888 


251,632 


^ITs 


449003 
458959 


47.461 


50.856 


690.152 


1887 


688.397 


996.548 


^S'7i5 


57.517 


54.450 
58.154 


7J3.65* 


1886 


676.956 


973.941 


940,897 


356,923 


188.074 


79.915 


681.666 


188s 


668.998 


361.657 


1.030.655 


» 


934.151 


& 


60.260 


819.677 


'fS^ 


718,179 


267,444 


985.693 


939,146 


64.038 


66S.878 


1883 


710,530 


301.499 


1,012,019 


397.168 


330.481 


117.003 


75.678 


810,339 


Z882 


739.340 


958.716 


991.056 


399936 


959.535 


123.639 


5o!66o 


785.555 


I88I 


695.749 
770.469 


362.869 


1,058,618 


« 


435.^ 


161,451 


X.153.35Q 


1880 


404.394 


1.174.793 


495.785 


192.949 


31.083 


1 067.156 


Jl^ 


897.096 


469.905 


1,366.931 
1.652.727 


4a4.8<i6 


it?:^ 


415,019 


1.214.039 


1,305.28s 


347.349 


'^■^7 


709.7^ 


1I2.006 


3.032.933 


1877 


X. 430.450 


496.788 


1.927.938 


976.955 


815.795 
698.125 


1.832,593 


1876 


1.616.775 


485.173 


3,101,948 


505.976 


58.471 
50.827 


391.335 


i.5.'i3.o97 


1875 


1.876,412 


596,557 


2.402.969 


545.304 
453.631 
416.800 


567.595 


318,488 


1.390.939 


1874 


1,850.161 


558.539 


2,408,700 


13.000 


434.1^ 


1.119,283 


1873 


1,670,205 


501.799 


2,171.997 


7.900 


310,717 


334.052 


959.460 
895.16a 


1872 


1.719.S66 


390.531 


2,110.097 


347.900 




951.518 


995.744 
350.984 


I87I 


1.630,255 


316,75s 


1.947,010 


318,950 




997.439 


066.666 
813.411 


1870 


1.555.675 


272.563 
240.670 


1.828,238 


267,900 


1.000 


149.940 


394.571 


18^ 


1.467.151 


1,707,821 


3OZ.I9O 




i^°:IS 


399,509 


704.679 


1.335-419 


168.385 


1.503797 


920.350 




68785 


553.996 


1867 


1.339,819 


120,931 


1.453.750 


184.500 
130.850 




te.195 


46.861 


3x3.556 


1866 


993.304 


84.116 


1,077.420 




76.396 


45.899 


953075 


186s 


659,385 


63.513 


715.898 


99.900 




139.682 


45064 


169 o6z 


^^{ 


^•2^5 


67.969 


489.984 


84.595 
58.450 




57.097 


X48.890 


1863* 


178.817 


40,220 


919.037 




34.5x7 


r^ 


i86a 


143.144 


37.696 


180.840 




37.516 


160 249 


z86i 


149.009 


38,191 


177.193 




3.851 


3x927 


^.228 


i860 


149.815 


98.434 


178,949 


51.400 




3.999 


33.187 


87879 


11^ 


139.366 


95.805 


165.171 


45.590 




X,59X 


30.5x4 


77.695 


133.350 


99.450 
91.787 


154.800 


39.935 
49.487 




3.754 


39.093 


68.78a 


1857 


129.970 


151.757 




1.658 


43.437 
38.959 


94.58a 


1856 


XX9.631 


19.887 


139.518 


75.099 




1.X58 


1x5.139 



* Year ended July z up to tnis year. 



X Eighteen months ending December 31, 1864. 



LIFE INSURANCE HISTORY, 



807 



lAY^-'Continued, 



Expanses, 
Etc. 



132,570 

147.698 

141.875 

82,412 



35.26Z 



11.277 
7.300 



Total 
DisbuTse- 
meats. 



$ 
664.355 
591.950 
403.171 
351.634 



98.422 



60.678 
32.516 
12,300 



Nsw BUSIMBSS. 



No. 



821 
860 
496 
880 



Amotint. 



2.562,697 
6,027.225 

5.357.957 
3,232,180 



445 
704 
660 
418 



Outstanding 

l*i8URANCB. 



No. 



Amount. 



6,926 

6.967 
5.804 
4.706 



1,507 

1.492 

919 

379 



$ 
22,701,151 
22,726.856 
19.147,047 
15.049.740 



3,708,860 
1,998.825 



$ 
3.967.86s 
3,648,165 
3,067.282 
2,541.680 



937.692 
802.235 

612,725 



334.307 

234.757 
142,682 

85.843 
333" 



Liabilities. 



$ 
3.335.214 
3.378.153 
2 740,804 
2,200,308 



Surplus. 



6^.651 
270,012 
•326,478 
341372 



INSURANCE COMPANY. PORTLAND, ME. 



Commenced Business October i, 1849. 



318.977 


1.045.577 


2,472 


5.357.519 
4.879.787 


15.233 


38,3X8,754 
37,304,606 


6,203,768 


5.874.900 


328.868 


993.417 


843.262 


3.204 


14.873 
14.728 


6,157.343 


5.839.827 


317.516 


301,487 


991.639 


2,462 


5,020,107 


26,395.600 


6,002,194 


5.733.215 


368.979 


287.351 


2.569 


4.933.215 
5,218,800 


14.478 


25.794.196 


6,014,523 


5.718.646 
5,739.260 


295,877 
380655 
371.758 


279.014 


2,472 


14.111 


25.185.946 


6,119,915 


384,211 


7,103.888 


2.306 


5;||^;|5g 


13.961 
13.832 


24567.437 


6,109,619 


5.737.861 


^1^ 


972.356 


2.012 


24 282,746 


6,311,402 
6,229.684 


i:W 


392.997 


1.076.996 


2.016 


3.806.819 


I4,C30 


24,527.958 


385.616 


268,221 


1.053.776 
1,426.671 


2,219 


4.045.098 


14.040 


24,621,565 


6.260.443 


5.899096 


361.347 


a73.3i2 


1.678 


2l767!68i 


13.725 


24.083.550 
25,036.862 


6.620,833 
6,860,983 


5.906.432 


340.901 


a93.733 


1.360.889 


1.586 


14.120 


6,334.927 
6,630.471 


385.906 


311.693 


1.525.732 


1.840 


3.039.356 


14.915 


26.697,370 


330,513 


310.871 


2.333.805 


2,691 


4.100,943 


15.775 


28.915.136 


7.035.603 


6,028,077 
7.817,474 


107.526 


410,166 
654.408 


2,232.759 


3.006 


8;266!345 


18,131 


34,381.818 


7.836.890 


19.416 


2.307.505 


4.777 
0,013 


20.444 


40.979.204 


m 


7.998.069 


101,565 
1,341.158 


507.091 


1.898.080 
x.586.047 


12,181.017 


22,122 


46,740.375 


7.917.506 


466.764 
363.108 


6,132 


14.517.543 


21.758 


49.207.370 


7.629.968 


1.166,731 


1.322.577 


4.309 


10.935.045 


18,808 


42,904.755 


7.717.851 


• 6.915.961 
6,126,913 


801.890 
596.783 


383.043 


1.278.205 


4.544 


11,227.490 

8,973,804 

10,899.150 


17.528 


39,814.365 


6,723.696 


282,071 
248.672 


1.248.737 
z 062.083 


4.030 
4612 


16.063 
15.852 


'&^ 


5.913.825 
5.295.233 


5.369.181 
4.667,350 


t^:^ 


244.198 


521,181 


3.385 


8.136.735 


13.277 


30.048.23s 
26,351,618 


4.411.381 
3.730.837 


3.785.348 


626 033 


210,634 


3.263 


l^X 


11.738 


3.<^.313 


658,524 


307.625 


3.229 


11,150 


25.145.540 


2,901.284 
2,188.429 


2.482.330 
1,663.138 
1,149,188 


508.963 


195 9" 


448.985 


3.567 


7.914.060 


9.070 


20,967.095 


526,291 


128.634 


297.695 


2,758 


6,405.445 


6,565 


15.548,710 


1.530.877 


3!''fS9 


75.201 


377.572 


-t^ 


4.432,050 


tn 


10,543.065 


1,094.609 

Qi6.I04 

847.875 


830.737 


263.882 


34388 


183,278 


1,917.200 


6.078,757 


693.673 


232,431 


31.947 


192.196 


334 


707.700 


1,922 


4 460.907 


610,134 
610,036 


237,751 


33.925 


128.153 


332 


656,950 


1.924 


\m% 


811. 132 


201.106 


31.731 


119.610 


507 


1,^92,850 


3.084 


761,598 


419.471 


342,127 


38.194 


115.819 


524 


1.199.625 


1.857 


4,108,060 


702.866 


» 


318,257 




102,359 


379 


711.250 




3.578,335 


652.505 


333.922 


128,474 
139.498 


251 


yn^^so 


1,785 


3.945.495 


609.505 


'&. 


335.065 


^4)366 


334 


539.975 


3,010 


4.395.495 


589.476 


323.834 



808 



LIFE INSURANCE HISTORY. 



UNION MUTUAL 



Year. 


Premiums. 


Interest 

and Other 

Income. 


Toul 
Income. 


Death 
Claims 


Matured 
Endow- 
ments and 
Annuities. 


Surren- 
dered 
Polices. 


Diridends 
to Policy- 
holders: 


Total 

to Poller 

hoUeis. 


1855 
1854 
1853 
1853 
X851 
X850 


139.941 

252.41S 
170,616 
169,770 
168.905 
82,589 


90,178 

16,988 

13.143 

7.541 


$ 

xSo.i»9 

177.3" 

173.164 

82,895 


$ 

53.657 

49.525 

03^X85 
39.Q50 


$ 


9 

2,089 

3.820 

295 
2.995 

774 
29 


27.380 



84.026 

53.345 
52.823 
66.180 
39.824 

29 



Incorporated November 13, 1848. 



NATIONAL LIFE INSURANCE 



1890 
1889 
1888 
1887 
z886 
1885 
1884 
1883 
1882 
1881 
1880 

1879 
1878 
1877 
1876 

1875 
1874 
1873 
1872 
1871 
1870 
Z869 
1868 
1867 
1866 
1865 
1864 
X863 
1868 
1861 
i860 

1859 
1858 

1857 
1856 

1855 
1854 
1853 
1852 
1851 
1850 



1.789472 
1,405.068 

1,281,173 


152:221 


260.364 


954.305 


233.143 
187.039 


170.724 


162.707 


416.585 


149,010 


341.180 


131.044 


293.481 


128,897 


264.185 
238.750 


X 17.219 


I17.0IS 


241.876 


104,250 


103.595 


275.842 


104.097 


Tsm 


109.604 
102,249 


270.984 


96.211 
80,021 


263,6x1 


230.649 
191,661 


64.763 


170.430 


67.386 


150.520 


51.716 


146,437 
X29.852 
1x0,851 


40.721 


^^ 


32.840 
21.542 


57.997 


21,946 


r^ 


14.^ 


47.445 


14.328 


41268 


13.264 


40,632 


9.761 


36.353 


6.884 
5.596 


27,271 


27.488 


5070 


28.568 


3.432 


23.545 


1.266 


19.789 
14.170 


^ 



3,102,995 

1.781,674 
1.541.537 

1,187.448 

912.355 
779.256 
668.893 

565.595 
472.234 
422.378 
381.404 
355.765 
335.893 
345.471 
379.939 
401.949 
390.699 

367.195 
343.632 
303.076 
256,421 
237,816 

902.236 
187.148 
163.500 
139.119 

88.349 

67.395 
61.773 
54.533 
50.393 
43.237 
32.867 
32.558 
32,000 
24.811 
20.093 
14.216 



309.848 
991,209 
312,171 
177.432 
137,054 
158.605 

174.767 

124.772 

84,619 

106,992 

89.765 

81.946 

"X 

97.441 
107.533 
95.365 
65.907 
35.027 
62,717 

41965 
35.861 
37.462 

46.735 
19.400 
40.312 

25.788 

26.413 

19.175 

7.619 

9.460 

15.775 
8.252 
11.600 
6500 
6.800 
6.400 
6,700 

x.ooo 



36.07 


5 906,056 


115.574 


42,92 


7 154.458 


X31.933 
155.187 


32,71 


140.391 


12.95 


113.936 


106.184 


9,62 


5 77.500 


71,813 


32.21 


4 66,988 


63,859 


2I.J9 

10,81 


7 69,034 


56.676 


7 37.271 


59.172 


16.07 


7 30,662 


65.117 


25.52 


6 98.796 


60.969 


12.43 


8 25,137 


52.121 


I 3*'°!} 
6 53.062 

64»i9i 


54.723 
49.706 


1:^ 


52.4M 


9 43.977 


49.216 


7.00 


24,903 


51.986 


3.00 


25.725 
18.904 


» 


1.54 


2 11,382 
12.683 
18,437 
12.189 


43.333 




44.950 


... 


4i.<«8 


... 


31.035 
31.080 




13.449 


. . . 


13.404 


tX 


. .. 


10,682 


... 


3.267 


^(T 


... 


l^dl 




... 


: X 

261 
47 





728.904 
639.166 

619.497 
445.241 
336.369 

299.115 
305.812 

982.007 

336.628 
199.910 
189.928 
193.^3 
197.144 
243.844 
X79.234 
Z8I.330 
184648 

158,937 

122 164 

93.660 

192 213 

85.189 

55.6a6 
65.479 
84.2S7 
43.579 
19065 
29.870 
29.603 
90,956 
8,900 
10.9x8 
X6.599 

6.978 
7.061 
6.447 
6700 

I.OOO 



* Dividends prior to 1865 were declared every five years and computed at reversiooary additions ; or they were 
used in reduction of future premiums. 



CapiUl Stock. $440,000. 



UNITED STATES LIFE INSUR 



1890 
1889 
1888 
1887 
1886 



1.009,161 

1,061,943 

819.542 

745.459 

685.035 



289.386 
288.610 
267.656 
278.00X 
283.013 



1.298.547 

1.350.553 

1,087.198 

1,033,460 

968,048 



535.702 
358.287 
404.466 


^.931 


85.219 
97.538 
41.117 




no 285 


158.^48 


338!765 


46.714 




113.890 


73.783 





527.414 



LIFE INSURANCE HISTORY. 



309 



lAY^fCandnued, 



E^j»«, 


Total 
Disbune- 

Z33.638 
81,037 

|:| 

76,591 


Nsw BusiNsss. 


OVTSTANDINC 

Insujkancb. 


Assets. 


Liabilities. 


Surplus. 




No. 


Amou t. 

$ 
604.955 
743273 
1,147.967 
3,138,634 
3 616,303 
2.749.498 


No. 


Amount. 




$ 
38,60a 
37,69a 

38.646 
31,186 

17.646 


374 

1.783 
a.259 
1.564 


3.816 
2,637 

3.314 
3.582 
3.512 
1,404 


$ 
S.I03,374 

5.135.969 
5.760.574 
5.795.374 
5.637.268 
3,477,148 


570.586 
533.485 

267.735 
165.330 


259.159 
237.143 


3".427 
296,343 



COMPANY, MONTPELIER, VT. 



Commenced Business February i, 1850. 



522,510 
322.554 

153,006 

136.9 6 
87.961 
64.491 

59.174 
53.123 

52.507 
41.680 
45.870 
52.580 
51.4" 
47.327 
54.876 
51.567 
44.508 
37.511 
28,547 
23,455 
19.467 
«o.357 
30,705 
15.810 
13.241 
13,331 

X3.2l6 

14.033 
13.800 

10.535 
10.911 

9324 
7.570 
8,204 
8.285 
6.455 
5.859 
4.S71 



1.251.4x4 
1,075.872 


5.833 


4744 
5.018 


670.480 


3.927 


514.236 


3.628 


45I.I2I 


3.508 


432.768 


2,933 


369.998 


2.3IO 


301,119 


1.605 


259.084 


368 


238,824 

289,714 

231,814 




232.741 


704 


231,975 
213.813 


go 

623 


v& 


753 
1,051 


159.723 
113.736 


876 
355 


92,845 


309 


& 


342 
452 


1^4.993 


46t 


59.389 


468 


32.306 


248 


42.101 


170 


41.819 


127 


34.989 


281 


22,009 


?^ 


21,453 


27.510 


299 


18.361 


326 


19.738 


154 


15.272 


180 


15.346 


373 


12.902 


384 


12.559 


364 


5.571 


38* 



15,148,463 

12,743.988 

11,976,388 

8,826,779 

6,088,563 
4.659.306 
3.683,605 
3.698.006 
3,096,818 

1.435.410 

i,o3o,3a8 

1,022,767 

703.025 

804.279 

1,111,191 

1.589.578 

1.8 2,177 

I 663,546 

2,058.504 

2.506,488 

1,922,833 

706,530 

580,019 

627,364 

932.318 

897.300 

727,600 

388,550 

249.700 

192,800 

444.200 

376.700 

282.215 

451.150 

491.991 

205,711 

330,150 

379.600 

366,250 

394.780 

465.700 



46,362,301 
38,767.541 
32.312,303 
24.933.334 
20,059.506 
16,579518 
14,106,761 
13,131,735 
10,669,009 
9.516,360 

8.717.443 
8.306,053 

8.183.357 
8.563.333 
9,440.381 
9.919.536 
9.637.698 

§.086.023 
.764.447 
7,713,976 
6,109,336 
4.776,741 

4.454.913 
4.348.678 

3.954.596 
3.445.757 
2.703.976 
3,343,519 

1.978,347 

l,97A,438 

2,008,137 

1,706,096 

1.541.696 

1.545.423 

1.354.373 

1,013.461 

992.150 

1,030,580 

877.230 

718,780 

452,250 



6,763.845 

S.917.195 

5.167.543 

4.405.315 

3,880,533 

3.523.821 

3.181,163 

3,9x1.871 

3.768.287 

2.559.375 

2.386,737 

2.250,585 

3.191,613 

3.100,855 

3,074,807 

1.845.7.^0 

1,739,361 

1.535.729 

1.372.177 

1,194.645 

1,011 973 

914.833 

780.115 

663.604 

569.208 

474.083 

440,039 

375.775 

312.738 

291.540 

373,275 

195.758 

155.994 

133.915 

100,032 

62!o38 

38!o88 

16.177 

8,646 



5.915.593 
'6,308 



4.986,: 



3.W.S58 
3.190.893 
2,796.759 
2.491.947 
3.239,276 
3,062,126 
1.894934 
1.768,154 
1.635.595 
1.540.236 
1,403.6x9 

1.410,915 

1.387,850 

X.198.119 

1.064,869 

050.801 

8ao,oo7 

704.234 

6M.730 

548.233 

499.494 

« 395.734 

» 343,365 

» 271,535 

» 243.399 

n 902,433 
n 193,746 
1*178,636 



848,353 
930,887 
939.896 
707.757 
689,630 
737,003 
689,315 
672,595 
706.161 
664.441 
618,583 
624,990 
651.377 
'38.236 



638.S 
663.( 



557.900 
531.142 
470.860 
421.376 
374.638 
307.738 
381.003 
331,883 
164,110 

n 173.474 
n 13X.818 
n 108.49^ 
n 132,476 
n 109.305 
» 98 794 
n 93.639 



n Resenre at 5 per cent. 



ANCE COMPANY. NEW YORK. N. Y. 



Incorporated February 25. 1850. 
Commenced Business March 4. 1850. 



435.585 
372.326 
376.474 
344.825 
315.297 



1.093.437 
1.034.772 



841.6 



4.078 
3.367 

1% 

1.772 



12,429.917 
9.523.581 
6,575.176 
5.6di.i20 
4.165.175 



15.493 
13.870 
12,566 

11.735 
10,705 



36,333,163 
30,431,373 
25.752.267 
33,471.839 
31,109,155 



6,469.483 
6,366,338 
5.914.843 
5.681.494 
5,586,630 



5,860,651 
5.643,910 

5.086,7x6 
4.934.289 



608.833 
633,428 
623,089 
594.778 
652.341 



810 



LIFE INSURANCE HISTORV. 



UNITED STATES 







Interest 




Death 


Matured 
Endow* 


Suiren- 


Dividenils 


Total 


Year. 


Premiums. 


and Other 


Total 


Claims 


dei«d 


to Policy- 
holder<' 


to Policy 






Income. 


Income. 


i^aid. 


AnViiSl Po*-'- 


holden. 




$ 


$ 


$ 


$ 


$ 


$ 


$ 


$ 


1885 


660.389 
656.359 


'^■^ 


917.318 
923.193 
W.918 


306.364 
340.679 


82.169 
136,405 


III.980 
100.81 1 


58*.i54 


^!l49 


'253 


652,324 


271.594 


252,067 
288.718 


59.941 


117.319 


46.597 
47,118 


475.924 


Z882 


558,967 


402.472 


» 


44.897 


78.946 


459.679 


1881 


553.689 


256 129 


368.894 


112,041 


109,10s 


. 44.503 


634543 


1880 


593.517 


309.237 


902.754 


^i'?8? 

220. 187 


49.611 
61.04s 


129.748 


30.037 


492,745 
584.689 


1879 


639,519 


274.794 


978,663 


: 'Mi\i 


39.902 


1878 


Z2^''37 
885,342 


272,526 


257.055 


86, 19^ 


39.960 


670.024 


1877 


287.985 


1.173.327 


300.724 


23.29c 


> 394.466 


97.442 


815.922 


1876 


853.220 


284.754 
275.883 


1. 137.974 


260.031 
266,187 


12.695 


> 329.454 


100,412 


7a».596 


1875 


929.304 
957.660 


1.205. 187 


0.5" 
8.14c 


276,730 


ioa.533 


654.961 


1874 


273425 


1,231,085 
1.385.849 


346.775 


> 238,427 


148.731 


742.073 
780.454 


1873 


1. 123.745 


262. Z04 


245.959 


2, lie 


> 233.056 


299.329 


1872 


1,054,279 


251.332 
244.187 


1,305.611 

1,088.852 

896.686 


243.716 
208,243 


3.14c 


) 400,361 


214.949 


862.166 


1871 


844.66s 


39c 


> 249,669 


312,347 


770.649 


^IT" 


674.516 


222.170 


222,172 


39c 


> 70.364 
77.881 


94.553 


387.479 


^^ 


707,478 


^:^ 


978,031 


253.268 
236.667 


.... 




331.149 


1868 


764.094 


%x 


39c 


) 16,178 


41.531 


294.389 


1867 


622.711 


145.332 
179.831 


168,859 


39c 






1866 


533.229 


713.060 


171.091 




17.513 




"S^s 


421.872 


118.707 


540.579 


91,178 


... 


13.620 




ia«.798 


^^ 


330.865 


93.817 


424.682 


76.714 

57.716 




15.019 




gi.733 
81,032 


'!S 


252,456 


62,014 


314.470 


... 


90,600 


2.716 


1862 
1861 


207.04^ 
193.426 


50.035 
44.329 
37.654 


257.079 
237.755 


?J:^ 


::: 


18,696 
26.776 


24.541 


137.737 
85.643 


x86o 


203.621 


241.275 


53.230 




16.064 





69.294 


1859 


175.279 


.31.727 


207.006 


0^,206 
58.794 




/ 36.725 




&7 


1858 


t^'l56 
102,070 


26.671 


IQ6,22I 
184900 




/ 21,381 




'S^Z 


22.224 
18,036 


... 


/ 17,169 




^:l^ 


1856 


132,890 


150926 
123.835 


47.694 




/ 21,192 




1855 


107.945 


15.890 


41,940 




/ 15.479 




57.419 


1854 


88,634 


11,778 


100412 


40.594 


... 


P 3.674 




44.268 


1853 


99.130 


119.64D 


211.770 


41.112 


... 


2,317 




43429 


1852 


99.535 


114.499 


23,600 


... 


1.034 




24.634 


1851 


a 


52.929 


5.500 


... 


3.495 




8995 


1850 


4.054 


30,510 


3.000 


... 


702 




3.702 



> Inclades Diridends. 



CftpiUl Stock, $1,250,000. 



JETNA LIFE INSURANCE 



X 


4,010.225 


1,786097 


S.796.322 


1.509.837 


1,127.966 


345.264 


635.438 


3.556.414 
3,641.441 


3.73^.703 


1,778,066 


5.516,769 


1.041.541 


|S?;sJi 


612,420 


1888 


3,404.265 


1.729,464 


5.133.729 


778.161 


591.553 


3.181. 119 


^lll 


3.201.345 


1.629,368 


4.830.713 


1.514.676 


626.456 


^•S 


575.094 


3.025 659 
2,978025 


1886 


3,030.012 


1,609,619 


4.639.631 


1.383.605 


S^'i33 


552.920 


1885 


i» 


1,734.383 
1,601,908 


4.579.874 


1.390.768 


881.607 


299.808 


547.289 


3.119.472 


'22^ 


4.290,228 


1,269.864 
1,248.873 


845.762 


313.087 


530.015 


2.960,728 


1883 


2,719.350 


1.780.372 


4,479.722 


705.549 


305.177 


522.229 


8.781.828 


1882 


2.519.438 
2.388,942 


1.513.788 


4.033.226 


1.106.937 


623,4|2 


224.267 


SC6.244 


2.J60.940 
2.668.499 


1881 


1,443,384 


3,832.326 
3.953.883 
4.318.302 
4.330.129 


1,220.700 


771-468 


223.199 


^■m 


1880 


2,392.333 
2,487,607 
2,762.721 


1,561.550 
1.830,695 
1,567,408 


1.147,052 


284. C09 


2.678.195 


\^ 


1.356.432 
1,052269 


776,186 


366.1J2 
716.981 


513.068 

599570 
384.739 
621,325 


3.011.83S 

8950.517 
3.418.891 


^SZ2 


3'"2'87J 
3.588,758 
4,009,144 


1.514.205 
1.432.748 
1.517.309 


4,728.076 


1.112,888 


626.670 


1,118,438 


1876 

1875 


5,02i,5c6 
5 5=6,453 


1.213 361 
1,289.^81 
1,305.811 


407.005 


1. 106.422 


3.353.636 


1874 


4.556.901 


1,391,442 


5.948.343 
5.034.683 


1873 


4.715.761 


1,318,921 


1.572,936 
1,327,282 





1.727.751 


3,922.012 


1872 


4.682.556 


1,170.058 


5.852.614 


18,687 


1,367.502 


1,952 oai 


3.766.492 


I87I 


4.927.253 
5.134.036 


932.051 


5.859.304 
6,oj8,700 
5.989.658 


1,174178 


12.535 


1,906,188 


704.199 
740,307 


3.707.030 


1870 


« 


1.179.159 
1,012.438 


4,220 


1.598.489 


3.528.175 


1869 


5,221,176 


.... 


621,723 


862,233 


2,496.394 


1868 


5,089.628 

1 


611,283 


5.700,911 


855.034 


.... 


434.570 


408,600 


x.698.224 



LIFE INSURANCE HISTORY. 



311 



lAFEr—Gmtinue</. 



Ex]>rnses, 


Total 
Dttbune- 
mcDts. 


N«W BUSINBSS. 


Imsukamcb. 


Assets. 


Liabilities. 
4%' 


Surplus. 
4%^ 
















No. 


Amount. 


No. 


Amount. 








$ 


$ 




$ 




$ 


$ 


$ 


$ 


320.946 


831.452 
958.282 


1,582 


4,059,260 


10.185 


20.153.853 


5,425,264 


4 839 663 
4.765.037 


585.601 


322.133 


1.694 


4.125.975 


10,132 


19.769.864 


5.154.412 
5.226,429 


.» 


344.278 


820,202 


1.931 


5.441.054 


9.995 


19.193.579 


4.761.743 


2851612 


731.107 


1.274 


3,947,761 


9.709 
9.508 


i7.i67.ic5 


5.087,513 


4,612.363 


475.151 
512.465 
579.682 


920,155 


1,217 


3.025.445 


16 671,328 


4.994,670 


4,483.205 


286477 


779*232 


1. 140 


3.589 474 


9.428 


16.856.766 


5.107.950 


4,528,368 


242,571 


837.260 


1.337 


3.416.843 


9.711 


21,641,192 


4,940,811 


4.423.359 


517.452 


250.214 


920338 


1,701 


4.086,601 


9.917 


4.838.356 
4.799.789 


4.362,819 


475.537 


390.487 

309.'446 
323.084 


1,206,409 


4.197 


8.865.101 


11,080 


4.437,360 


372.429 


988.390 


2,195 


4.407572 
5,053,880 


10.303 


20,835,662 


4.803,332 
4.617.983 


4,275,270 


528,062 


964.407 


2,531 


10,692 


22,848.081 


4.137.336 
3,628.623 


480,647 
457.464 


1.065 157 


2.598 


5.791.470 . 


10,643 


23.543.392 


4.381,266 


297.154 


1,077.608 


2,311 
3.805 


6,667,145 


10.165 


23,^19.762 


4,179.902 


618U81 


246,683 


1. 108.849 


9,242, 107 


10,123 


23.939.762 


3.900,461 


3.281 980 
3.175.896 


347.062 


I.II7.7I1 


2.430 


5.377.730 


8.575 


i8;3i^;8i2 


3683.203 


507.307 


178.503 


565.982 
510.839 


1,127 


2,171.033 


7.973 


3.686.323 


3,200 851 


736)842 


185,690 


1,091 


3,445.426 
4.868.386 


8,085 


19.505.250 


3.354.525 


3,617.683 


296,033 


590.412 


^'l^t 


8,411 


19.699.057 
17.215,187 


2.915.049 


'^^:W. 


328,052 


"7.527 


302.954 


1.846 


4.511.275 


7,122 


3.470,793 


701,897 


118,893 


307.497 


1.958 


4,687.230 


6.477 


15.071 476 


2,005,703 


1.371.697 


634,006 


140.470 


245.268 


1.320 


3.086,400 


5,180 


12.306,546 


i,6c9,70i 


^ 1.435.036 


6 174.665 


80,133 


. 171.865 


1.315 


2,801,820 


4.411 
3.631 
2.989 


10,164.646 


1,360,046 


6 916,879 


* 443.167 


6o,3II 


^Itl 


1,085 


2.493.485 


8,478,027 


1,067,685 
876,068 


* 860,379 


d 207,306 


48.133 


665 


1.376,487 


6,953.272 


^631.379 


» 254,680 


48.552 


134.195 
116.457 


710 


928,650 


2.910 


6 512,370 


807.942 
701.482 


* 395. 154 


6 412,788 


47.163 


'''^ 


2,186,450 


3,680 


6 968.4";4 


* 374.654 


6 326,828 


32,811 


126,632 


1,813.900 


2.597 


6,375.121 


576.665 


d 111,466 


* 465.199 


32.837 


119.414 


814 


2,008,800 


2.377 


6,129,271 


497.291 


^40.739 


'ct& 


29.778 


105.741 


1.004 


2.537.900 


2,440 


4.964.824 


420.484 


c 33.22^ 


23.907 


92.733 


1,277 


2,766,580 


2,087 


4.935.824 
3.510.366 


341.324 


e 43.941 


c 297.383 


33.381 


79.700 


504 


1.273.580 


l:^ 


'^•M 


c 16.747 


c 267,384 
c 213.708 


26,683 


70,951 


423 


1,110,357 


3.359.001 


^24977 


^:^ 


68.161 






1.727 


3.024.187 


206.211 






56.222 










178.064 






21.346 
6,327 


30,341 
10,029 


^ 




800 


1.45*5.754 
756.699 


142.552 
117.981 







b Reserve at 4^ per cent, c Reserve not calculated. 



COMPANY, HARTFORD. CONN. 



Incorporated, 1820. 
CommeDced Business July, 1850 



978.966 


4.535.380 
4.601.033 


10,626 


2i»4o6,82i 


74.014 


117 656,382 


35.993.003 


29.907,742 
28,784,913 


6.085,360 
5.956.217 


959.592 


\% 


20,399.690 


70.985 


110,669,719 


34.741.130 


863,933 


4.0*4.0^2 

3.8ii.86s. 


»ii2 


a 


102,904,303 


33.743.010 


27.954.456 




856.306 


7.446 


97.372,334 
92,363,969 

87.791.243 


32,550,688 


26.901.190 


5,649,48 


709,030 


3.687.045 
3.785.865 
3.566.138 


6.756 


13.133.547 
11,111,960 


63.293 


31,403.988 


25.954.384 
35,333,693 


5.509,6% 


666.393 


5.726 


6o!286 


29,682.926 


5.275.816 


605,410 


4.497 


8.094.226 


84.663.591 


24,760.274 
34,233.626 
23,548 343 


4,922,653 


638.976 


3420,804 


5.522 


10,114,585 


60.354 


»:iil 


29.017,935 
28.018,029 


4.794.309 


593.925 


3.054.865 


5.204 


9.594.636 
8.293.370 


59.129 


4.469.787 


603.179 


3281,678 


4.785 


57.564 


79.772.425 
77.951.819 


26,986.526 


22.757.473 


4,339.053 


« 


3,236.151 


4.314 


6.994.175 


56.651 


26,327,267 


22,373.453 


3.953.814 


3.580,316 


4.253 


6.609.901 


56.252 


77.738.<^8 
79.568.066 


25.503.138 


21.971.355 


3.531.783 


545.721 


3.496.238 


4,763 


8:^:121 


56.542 


25,006,896 


21,663.774 


3.343,123 


565.145 




i:fS 


ft% 


82.719,074 


24,030,578 


31,331,163 


3.799.416 


556.547 


3.910,183 


9.557.263 


87.385.555 


23.194.555 


30,719.834 


2.474.731 


591490 


4.045.084 


7.378 


11,348.277 
15,182.318 


56.743 


91.454,011 


21.832,393 


19.815.373 
18,844,151 


3.006.919 


758.130 


4.632,138 


9.916 


55.572 


94.5^.992 
98.864,149 


20,429,864 


1.585.713 


701,196 


4,633.208 


10,659 


17.333.108 


53.582 


18,946.579 


17,894 107 


1.053,473 


701.417 


4.467.909 


8.791 
10.284 


Jf:« 


50,028 


100,617.772 


17,608.185 


16,758.157 


850,028 


673.079 


4.470,109 


47.652 


101,337.833 


16.193.^ 
14.816,782 


14.802,675 


1.390.709 


719.912 


4,248,087 


11.217 


21.705,474 


45.679 


103,195,334 


13.464.306 


1.352.476 


5g:^1 


3.250,033 


11.377 


*S'I^'''*S 


41.373 


103711.737 


13.237.458 


11,191 366 
8.773.806 


3,046,093 


2,582.529 


13.337 


38.891.486 


39.373 


105,088,155 


10.415.300 


1.641.494 



812 



LIFE INSURANCE HISTORY. 



iETNA LIFE 



Year. 


Prcmiuiiu. 


Interest 

and Other 

Income. 


Total 
Income. 


Death 
Claims 
Paid. 


Matured 

Endow- 

meats and 


Surren- 
dered 

PoliCiOS. 


Diridends 
to Policy- 
holden. 


Total 

to Policy 

hoUem. 


1867 
1866 
1865 
i86i 
18^ 
1862 
i86x 
i860 

lilt 

nil 

1855 
1854 
1853 

1859 
1851 


$ 

4.636.073 

32|9.056 

X.566.944 

630,5? 

159.673 


$ 

39^308 
40.279 


$ 
5.045.479 
3.437.9x9 
x,655.3io 

669.834 
199.952 
94878 
78.534 
76,093 

so'.iei 


$ 
664.811 
342.306 
9X.477 
81.472 
17.136 
26,900 

2x".i75 
4,000 


? 


4X.636 
XX.995 
4.758 
9.014 


X74.8X5 
9X.468 
39 943 
12.598 
10,331 
9.000 

'7.500 


1.989,970 

530.400 

173^6 

106,065 

27.467 

37.214 

:::::: 

.;:.:: 
...... 



a Reserre at 4% per cent. 



Capital Stock, $100,000. 



MANHATTAN LIFE INSUR 



'x^ 


z.989.698 


717.602 


2,707.230 


877.36s 


69,66. 


^ 287.589 


123.730 


x.358.348 


1,762.958 
1.454.830 


487.100 


2,250.058 


965.36s 


69,99] 


[ 231,507 


Jtr^ 


1,44X.588 


1888 


519.134 
573.789 


I:« 


917.989 


69,74s 


1 207,527 


1.406.446 


'!^Z 


1,964.396 
1,141.836 


780,790 


tm 


5 X84.S38 
t X64.583 


**4.i2i 


1,989,514 


1886 


S30.214 


1,679,950 
1.589.984 


715.235 


991,888 


1,187.567 


'S?5 


x,038,633 


551.351 


711.X78 


79.64< 


) X55.551 


231.350 


1,177.798 


1884 


1,035,624 


697.698 


1.585.025 
1.636,049 


606.047 


54.23? 


234.520 


1,077.7x5 


^?!3 


1,008,421 


687, 17X 


X35.84^ 


X96.^ 


1,157,001 


1882 


1,013.921 


6ao,8zi 


x.624.732 
1,582,242 
1,693.917 
I 548968 


533.453 


X35.^: 


J 170,403 


X93.4S6 


1,093,87a 


I88I 


1,002,796 


579.446 


573.465 


K 


{ 153.589 
t 180,756 

^ X85.364 


1.093.704 

1,960.966 


1880 


1,039,729 


591.195 
554.596 
576.638 


K\^ 


203.347 


l^ 


993.672 


X34.64i 


250.557 


i.a536oa 


1,069,308 


x,645.946 


605.329 


95,6a 


1 3:^ 


272.265 


1.939.229 


1877 


1,169,390 


ii843ii95 


615.539 


63.47^ 


290,438 


X.308.ISS 


X876 


X. 285,331 


687.X99 


87.29* 


r ?0 


99X.069 


1,998,1x3 


1875 


1,436,103 


« 


9,099,915 


726.074 


^^ 


3x0.355 


1.990.384 


1874 


X.531.26J 
X.596.3X8 
x.63S,674 


2,1x5.708 
9,128,071 
2.X5i,854 


S58.X72 
075.0x7 

46l;9i8 


» 145.438 

> x6i.^3 
5 X43,835 


316,753 


1.056,425 


1873 
187a 


516.180 


4.X7* 

1:^ 


332.629 
354.X4X 


i!o8o,987 


I87I 


1.697.007 


4x5.734 


2,H2.83X 

2.058.562 


J X63.295 


387.485 


1.007,316 


1870 


X.666.ii3 


366,738 


526.807 


3.20- 


7 910,499 


344*055 
245.356 


z.^4.568 


1868 
1867 

x866 


1.786,791 


2.X53.4S9 


48x!835 
397.ote 
313.809 




X74,i95 


»S7,96» 


x,793.iio 

x,xo3.X9S 
99X,xi8 


308,997 
249.269 
190,017 


2,xoi.337 
x,345.464 
i,x8i,X35 
1.160,918 




X39.410 

Z91.067 

65.459 


2x1,769 
177.820 


ss 


186s 


1,024,117 


X36.80I 


203.935 


Z.2K 


I i^m 


960176 


'?^ 


760,399 


• 113.89s 


874.224 


X93.521 


89: 


i83!2!8 


^98.594 


1863 


579325 
409.958 


« 


672,521 


X52.743 
144.616 


?i 


5 6?.i6o 
> 70.P5X 


391.198 


1869 


498.525 


76< 


9.628 


918,170 


1861 


387»533 


63,172 


4'?o,705 


130,277 


i.X3< 


53.417 
119,620 


260,875 


z86o 


330.994 


52.406 


286.102 


99.421 


9Xi 


J X7,674 


937,633 


nil 


238.708 


47.394 




46.769 


647 


X34.540 


208.883 


4X,707 


250.590 


BS,&r7 




23.934 
xo,859 


43.722 


156.333 


^IH 


196.094 


36.299 


232.323 
163.572 


57.863 






68.7« 


1856 


X33.652 


29,920 


72,618 






48.119 
81.668 


1855 


127.108 


23.340 


X50.448 




9.050 





1854 


r.':u 


22,043 


162.316 


40,394 




8X9 


13.3x8 


54.524 


1853 


5,012 


86.498 


48700 




.... 




48,700 


1859 


86.308 


9.055 


95.363 


X2.900 

8,000 




.... 




13.900 
8,000 


1851 


48.465 


7.097 


55.562 




.... 




1850 


9,811 


1,201 


11,012 






.... 







LIFE INSURANCE HISTORV. 



318 



— Continued, 



Ezp-n«es, 


Total 
Disburao- 
meota. 


Nkw BusnrBSS. 


Outstanding 
Iasuxancb. 


Assets. 


LUbilities. 
4JC. 


Surplus. 
4J«. 




No. 


Amount, 


No. 


Amount. 


900,265 
576.369 
3".30o 
X24,43» 
40,117 
21,369 

7.375 


$ 

1.989.535 

1,106.769 

484.356 

230,496 

78,108 

60.580 

32.S64 
".375 


15.251 

4.357 
589 

1,003 


$ 
44,876872 
40,648,833 
2 (,562,076 
10,333.125 
3.499.675 

1,285.710 


33.663 
25.023 

14.154 
7,216 
3.400 
1.997 


90.795.586 
61,362,179 

15,608,845 
6.335.370 
3.340.495 


7,450.212 

ii969!6o6 
792.210 
431.236 

IM 

261.059 
' i68',788 


$ 
S.894.308 

« 633.783 


I 555.904 

777.618 

a 360,917 

a 158,427 



ANCE COMPANY, NEW YORK, N. Y. 



Incorporated July 16, 1850. 
Commenced Business August i, 1850. 



668.987 
680.131 
526,225 

362.601 

318,177 
323.177 
287,412 

387!67i 
a97,ii8 
355.087 
308,564 
330,607 

366,678 
349.788 
329094 
337.736 
378.773 
366,63a 

395.145 
357.113 

X19623 
90.328 

87.369 
82.527 

53.103 
59014 

57,355 
44.131 
33.036 
33.005 
29.426 
22.081 
14.516 



2.027.335 


r^ 


2 121.719 


1,932.671 


3.687 


1.735.650 
1,550.168 


2,538 
2,081 


1.490.092 


1,820 


1,415,981 


1,551 


1.475.178 


1,276 


1.347.049 
1,381.116 


1.207 


1.045 


1.553.195 
1.641,273 


1,104 


1.049 


1.529.341 


1,122 


1.665,242 


1.261 


1,606.678 


1.452 


1,620.991 


1.393 


1,401,934 


1.778 


1.539.937 


1,746 


1.430775 


1,701 


1.356,410 


1.844 


1.422,304 


2,00a 


1.346,035 
1,199.646 


2,550 
3,601 


991.714 


3.521 


484.108 


3.717 
2.555 


464,981 
510,821 


a,ijf> 


308.398 


1,148 


348,244 
320,160 


718 
949 


202,643 


1,025 


215.347 


844 


126.077 
92,250 


m 


114,704 


451 


94.529 
75.126 


IS 


35.981 


964 


22,516 


953 



12.962,401 


« 


17,388,211 


11,079.486 


15.567 


7,691.774 


14.027 


5,921,229 


13.138 
12,481 


4.490.590 
4.440,814 


\im 


3.551.987 


3.521,947 


11,490 


2.742,638 


11.304 


2,802,873 
2,902,706 


11.351 

ii.<^i6 
ii.oao 


2.507.067 


3.009,120 


12.031 


3.904.967 


12.608 


4,020.992 


12.763 


5.290,360 


13,060 


5.374.713 


13.085 


4,991,710 


13.124 
13.03d 


4.906.453 


7:i69;8?8 


13.336 
13.723 


12.090,882 


13.625 


11,778,601 


12.349 
10.642 


'i:a^:S^ 


8.248 


6,971,605 


6.703 
5206 


5.770.050 


3,798.000 


4.118 


2.597.050 


3'S^S 


3.047,900 


3.816 


3.149.925 


3,381 
2,831 


2.555.069 


2.345000 


2.478 


1.942,800 


2.125 


1.358.447 


1.765 


1,748,250 


1,784 


1.392.500 
1.863.235 


1.592 


'i^ 


1.900,345 




•174 



54.500.754 
51.137.066 

43.504.413 

39.018,611 
36,251.889 
34.467,139 
33.997.130 

33.023,205 
32.690,470 
33.254.439 

32,608,125 

33.333 618 
34.263.345 

3<5.3i8.549 
38,942,758 
40.083,863 
41.541.665 
42,000.529 
42,343.613 
42,140.907 
43,470.076 

45.647.671 
45.886,209 

41.753.469 

36,359.265 

27.251,557 

21,908.460 

17.043,381 

13.305.587 

12,598,081 

12,500,210 

10,771.382 

8.875.345 

7,862.928 

6.386,051 

5,156.740 

4.809,900 

3,700,770 

3,084,235 

1,750,420 

•357.250 



12,281,660 
11,799.400 
11.543,049 
11.433.196 
11,310,058 
11,155.827 
11,046.053 
10,871,184 
10.662,477 
10,348,239 
10,151,289 
10.049,157 
10,011,792 

9.855.645 
10.045.6y3 

9977.473 
9.561.403 
8.847,448 
8,270,870 

7.548,874 

6,924.116 

6.294,529 

5.338,341 

4,392.570 

3.A65.696 

2.619,191 

1.937.124 

1,500,787 

1.303.340 

1.129,160 

1,052,287 

871.008 

708,683 

606.509 

498.535 

380.567 

333.733 

230,313 

198,803 

140.774 

113.333 



11,245.029 
10,686,175 
10,236,344 
9.831,16s 
9.665.859 
9.460,580 

9.335.594 
9,083.106 
8.977.138 
8.800.081 
8.705,115 
8.746.356 
8,740,998 
8,643,207 
8,742,460 
8.617,136 
8,187.450 
7,621.037 
7,027,879 

6.495175 

5,830.522 

5.189.766 

4.350.310 

3.619.843 

2.589.868 

a 1.959.670 

a 1,48^.456 

a 1.168,298 

a 009. 200 
a 824.096 
c 57.521 
c 29.168 
r 96.893 
c 11,321 
^30,562 
c 28,631 

'Vi;866 



1,036,631 
1,043,225 
1.3 0,705 
1,608,031 
1.644.199 
1.695.247 
1,710,459 
1,788,078 

1.685,339 

» 1.548,158 

1,446.174 

1,302,801 

1.270,794 

1.212,438 

1.303,153 

1.363.337 

1,373.953 

1,226,411 

1,242,991 

1.053.699 

1.093594 

1,104,763 

988,031 

772,727 

875.738 

a 659,521 

a 452,668 

« 333.489 
a 401,591 
a 259.892 
<z 228.101 
c 813,487 

tf 679.517 
c 509,619 

€ 487,214 

c 350.005 

f 294,10a 



a ReierTs at 4% per cent. c Reserve not calculated. * January 35, 1851. 



314 



LIFE INSURANCE HISTORY. 



Incorporated May, 1851. 



PHGENIX MUTUAL LIFE INSUR 







Interest 




Death 


Matured 
Endow- 


Surren- 


DxTidenils 


lolal 


Year. 


Premiums. 


and Other 


Total 


Claims 


dered 


to Policy- 


to Policf- 






Income. 


Income. 


Paid. 


ments and 
Annuities. 


Policies. 


holden. 


holdei^ 




9 


$ 


$ 


$ 


$ 


$ 


$ 


$ 


1890 


m 


Ki 


1,309,826 


582,110 


459.801 


84.473 


125.384 


I.05X.768 


1889 


1,369,147 


636,472 


273.838 


127.355 
101,782 


"9.577 


I.147.242 


1888 


023,073 


1,300,330 


577.989 


161,196 


116927 


957.894 


1887 


691,031 
689.396 


6i8,5.";i 


1.309.582 


569.369 


210,233 


110,352 


125.43- 


1.015 389 


1886 


6o6,i8s 


1,395,581 


462,091 


302.965 


132,342 


126,476 


1.023.774 


1885 


700,350 
719.089 


615,706 

598.727 
641,349 


1.316,056 


';t;6 804 
585.198 


328.409 


171.142 


131.174 


I.187.529 


1884 


1,317,816 


242,536 


177.698 


138,832 


1. 144.354 


1883 


719.474 


1,360,723 


561,013 


172,436 


241.000 


148 261 


X.Z23.709 


Z882 


75t.30i 


652.633 


1.403.923 


553.267 


ai6.4t;4 
235.831 


243.711 


156,118 


I.169550 


1881 


814,261 


685.369 


1.499.630 
1.603,783 


514.208 


3^7.534 


164.019 


I.231.592 


1880 


910.538 


692.245 


4t;il? 


244.714 


401,526 


179.171 


1. 324.010 


1879 


1.054.526 


« 


1,708,940 


199.553 


513 712 


202.774 


I.40f,7i4 


1878 


1.309.557 


1.977.941 


745.556 


90.637 


635.545 


243,842 


1.714.580 


1877 


1.579.104 
3,014,816 


610,503 


3,189,607 


715.546 


38.303 


515.143 


335.981 


1.604,973 


1876 


» 


3,697,611 


741.793 


23.400 


482,930 


511.208 


1759.331 


1875 


3,630|070 


3.298.366 
3.375.612 


857.193 


29,000 


406,610 


641,723 


1.934.525 


1874 


2.724.515 


651.097 


873.813 






<? 961.957 


1.834.769 


1873 


3.964,405 


555.799 


3.520,304 


932.535 
878500 




.... 


1,085.481 


3.OZ8.016 


1872 


3.941,217 


471.263 


3.412.480 
3.134.646 




306.084 


995.443 


2.X80,027 


1871 


3,721,191 


413.455 


500)466 




273.411 


667.904 


1.628.478 


1870 


2.515,016 


311.112 


3.826,127 


• . ... 


27.833 


498,751 


1.027.050 


'5^ 


2.I7I.381 


360,193 


1,929.000 


247.594 


88.000 


65.917 


122! 368 


S86.I84 


i868 


1.741.948 


187,660 


150,951 


16.000 


30.202 


309.521 


'!!2 


1,058,245 


120.799 


^•m;^ 


101.700 


6,000 


6,849 


32.453 


147.003 


1866 


765.472 


83.136 


90,258 




8,365 


23,009 


130.652 
47.481 


i865t 


335. ICO 


a6.30| 


361.405 


03,000 




.... 


<? 4.481 


i865» 


28,428 


32.878 


301,306 




.... 


02,677 


<H.677 


1864 


138.109 


33.980 


163,089 


27,700 




.... 


1,910 


99.6x0 
28.360 
30.24» 


1863 


87,109 


19.396 


lo6,t:o5 


36,800 




.... 


<> 1,469 


Z862 


59.624 


14.189 


58!467 


27.500 




.... 


ff 2,748 


1861 


47.718 


10,479 


20,500 




.... 


1,132 


ax, 632 


i860 


45.102 


12,500 


57.603 


14.500 




.... 


1,414 


15.914 


1859 


47.367 


9.372 


56.739 


30,436 




.... 


02.376 


82, 803 


1858 


50.3" 


5.652 


55.963 
56.466 


13.400 




.... 


oiS\ 


\l\l^ 


1857 


50.648 


5.838 


14.000 




.... 


0166 


1856 


41.123 


3.537 


44.660 
36163 


lo.Sco 




. ■ « • 




XO.80O 


185s 


33.240 


2.923 


21.000 




.... 




31,000 


1854 


26,990 


2.295 


29.285 


1.350 




.... 




I..I50 


1853 


11,152 


1.240 


12.392 


3.500 




.... 




3.SOO 


1853 


4.754 


604 


5.358 






.... 







♦ Year ended June i^ up to this year. t June 15 to December 51. 

Including surrenders. 1 he minus sign (— ) indicates an excess of liabihties over surplus. 



Incorporated May i, 1851. 



MASSACHUSETTS MUTUAL LIFE INSUR 



i 


3,170,033 


539.136 


3,709,168 


659.105 
585.402 


101,693 


318.019 


243.567 


1.833.384 


1.867,547 


544,621 
463.205 


3,4x3.168 


103,589 


178,241 


235.777 


1,092,009 
1.061,789 


1.639.370 


3.X03,575 


511.818 


143.659 


196,748 


209.564 
197.892 


'2S 


1.434.458 


417.486 


J;5P:iSJ 


525,311 


X44,836 


147.205 


1.0x5 234 


X886 


1,313,135 


424.561 


« 


142.807 


115.367 


ao4,6ox 


958.870 


'!!5 


1,301,530 


412,273 


1,6x3,793 


111,6X2 


100,734 


a2i.9a9 


891.673 


'SS^ 


x,048,929 


420,835 


1.469.754 


S39,77^ 


i63,X46 


87.801 


307.34X 


1883 
1883 


941,187 
856,637 


428.255 
401,008 


1.369.442 
1.257,645 


419.342 
397.354 


XX4.X90 
136.532 


82.857 

61,119 


X99.257 
204.655 


1881 


831.044 


413.860 


\^^ 


401,170 


145.796 


83.645 


196.973 


1880 


781.373 


377.323 
333.728 


301,806 


127.493 


97,6x6 


173.429 


700.344 


\t^' 


2^4.609 


1.108.337 


410.423 
344.646 


143.500 


125.685 


161.860 


84Xw»68 


834.806 
958.094 


296.594 


1,131,400 
1,379,613 


89.387 
X01.695 


17s, 616 


194,807 


8cg.456 


^ln 


321.519 


348.118 


238,784 


990,890 


t^& 


1876 


1.053.214 


360,303 


1.413.517 


« 


38,297 


236,351 


»7 


X875 


1,137.069 


375.714 


1.512.783 


11,000 


129,500 


776.267 


1874 


1,304,653 
1,188,583 


336,050 


i!46o!598 


3»3.777 


916 


X74.066 
178.505 
197.446 


330811 


719.570 


1873 


^72,015 


283,602 


3.908 


108 8x1 
186,5x0 


664.826 


1873 


1,310,263 


251.030 


1.561.293 


3c^,68o 


I.OOO 


775.636 



LIFE INSURANXE HISTORY. 



315 



ANCE COMPANY, HARTFORD. CONN. 



Commenced Business May, 185 1. 






242.770 
251.853 
234.738 
292.95s 
228.174 
241. Ill 
257.663 
252,106 
23».594 
270. lis 
379.081 

365.984 
4x8.444 

419.157 
408,173 
516,210 

483.492 

570,608 

555.886 

500,139 

550,354 

417.327 

347.674 

245.077 

174.548 

112,163 

83,036 

36.164 

22.534 

19.413 

16.434 

16.441 

16.078 

19.865 

17,888 

15.357 

14.073 

6.883 

10.148 

6.666 



Total 
mcnts. 



Nbw Business. 



No. 



Amount. 



I 



$ 




1.294.538 


1.759 


1.399.095 


1.224 


1,192,632 


1.193 
1.136 


1.308.344 
1.251.948 


X.135 


1,438,640 


1.271 


1.401.9x7 
1.374 815 


1.507 


^'io3 


1,401.144 
1.501.707 


..^ 


1,703,091 


1,201 


1.767.698 


1.895 


2,133,024 


2,847 


3,024,131 


3.449 


2,167,504 


3.460 


2.450.735 
3,318,261 


2.244 
6.471 


2.588.714 


9.722 


2.73S.9I3 


10,690 


2.128,617 


10.213 


1,577.404 


9.093 


1,003.511 


8.652 


657. T95 


H^t 


392.079 


5.828 


295,200 


4.120 


159.644 




147.703 


4.302 


65.774 


2,297 


50.803 


918 


38!o56 


4^ 


m 


510 
516 


33.419 
32.054 


8^ 


26.157 


638 


35.072 
8.233 
13.648 


631 


923 


513 




335 



Outstanding 

iKBUkANCB. 



No. 



Amount. 



Aiseu. 



Liabtlitiet. 
4%' 



Surplus. 
4%' 



$ 
3.392,375 
I.449.183 
1,743.928 
I.777.OC5 
1.709.634 
1,702,651 
2,119,032 

I.540.351 

1,100,977 

1,202,360 

1,448,110 

2,157,164 

3.222,821 

4,099.610 

4.519.697 

6.556.543 

10,745.275 

19,105.492 

32,193.311 

30,473.003 

19,528.361 

21.169.965 

32,6c 2,549 
15,300,660 
9.152.509 

8.779.425 
3.956.325 
1.594325 

i,049534 
479.650 
623,350 
680,950 
808,600 

1,406.550 
895.900 
781,250 

1,088,650 
517.750 
341.872 



17.414 
17,101 
17.468 
17.077 
17988 
18,407 
18,912 
19,089 
19.602 
30,482 

21.544 
23.672 
23.842 
25.479 
27.775 
30,281 

33.418 
35.283 
33.020 
28.696 
24.588 
21,426 
17.761 
12,829 
9.875 

7.928 
4.837 
2,606 
a.189 



$ 
25,064.936 
23.955.464 
24.873,395 
25.267,687 
25,656,602 
26,237,240 
27.343.118 
27.788.496 
28.704.038 
30,468.190 
33,616.084 
35.088.551 

mm 

52.343.982 
60.247.186 
69,311.105 
75.735.361 
71,910.267 

63.498.994 
56.617.647 
51.096.765 
42,266,046 
27,889.171 
18,990,784 

14.179.350 
7,362,624 
4.019 959 
3,106.384 
2,647.750 



10,010.000 
10,002,743 

10.573.597 
10,480.688 
10,488.600 
10,430,316 
10.537,870 
10,615,756 
10,616,769 
10.588,561 
10,611,139 
10.647,178 
10,794.338 
10,948,277 
10.768.417 

10,133.731 
9.942,049 
8,901,586 
7.980,895 

7.323.367 
6,006,562 

4.998.314 
3,580,060 

2.134344 
1,365.609 

819.285 
470,312 
352.623 
391.654 
363.088 

938.739 
314,674 
303.673 
180,147 
152,132 
136.359 
130,067 
108.111 
104,809 



9.417.813 
9459.665 
9.255.060 
9,381,570 
9,377,411 
9,432,102 
9,651,536 
9.801,496 
9.854.312 
9,928,667 
9.993.710 
10.312,619 
10,537.617 
10,742,378 
10,623.977 
10,208.541 

9,752.997 
8,833,703 

7.452,130 
6.400,071 
4.872.58s 
3.838.966 
2,809,444 
1,730,118 
3 787.397 

i 331.743 

d 365,199 
3244,603 



592.187 
543.078 
1,318,537 
1,308,118 
1,111,189 
1,008,314 

886,344 
814.360 

762.457 
659.894 
617,429 

334.559 
356,721 

205,999 

144.440 

— 74.810 

VI 

528.765 

933,396 

1.133.977 

1.159.348 

770,616 

404,226 

6 578,212 

* 497.542 
3 205,113 
3 108.030 



3 R«»«rvc at 4)4 per cent. 



ANCE COMPANY. SPRINGFIELD. MASS. 



Commenced Business August i, 1851. 



647.131 


1.869.515 


S.232 


17.369.350 


32.706 


63.290,789 
56.320,503 


11,352,640 


10.379.634 


873.006 


530.322 


1,622.331 


4.449 


15.105.763 
12.055.146 


30.626 


10,415.818 


0.551,213 
8,&>i.838 


864.606 


488.405 


1.550,194 


3.637 


18.767 


49 480,584 


9 565.523 


763.69s 


434.754 
398,875 


1,449.988 
1.357,745 


3.139 
2.63 » 


10,060,193 
8,093 587 


17,688 
16537 


45.351.760 
41,246.538 
37.965,158 


0,012.379 
8.090.888 


8.350.837 
7.903.768 


Ws 


517.035 


1.338,708 


2.587 


8,014,308 


15.621 


7.475.955 


614.933 


329.941 


.1.137.900 


2,3l8 


6,363,083 


14.735 


34,665,107 


7,535.244 


l^^ 


490,221 


309681 


1.125,328 


2,378 


5.929.950 


14.313 


32,860.164 


7.577.299 


810,673 

793.887 


275.664 


1.075.324 
1,108.206 


1,512 


4,092,608 


13.484 


30,510,247 


7,310.817 


6.516,930 
6,3Jo,S3i 
6,186,321 
5.970.855 


280.622 


1.493 


4.114.705 


13.396 


30,141.192 


7,134 124 


803,293 


251.246 


X,o83!288 


1.473 


i^sm 


13.175 


39.275690 


6.991.753 


805.432 


240,830 


1.0I3 


13.065 


28.777,145 
29771,669 


6,615.140 


233.579 


1.037.035 


935 


a. 198,033 


13.383 


6.396.778 


5.030.842 
S.811.750 


409.534 


1,319.031 


1,289 


3,628.963 


13.983 
14.458 


31,872,147 
33.803,463 


7.211 908 


^:l'^ 


201,040 


1.049.736 


vm 


6.408 783 


5.740.546 


221,536 


946.768 


5.229.927 


14.744 


35,029,074 


6.061,062 


5.493.^5 


567,437 


227,198 


1.709 


4.931.165 


14.491 


33.764,744 


5.S1J.909 


5,036,061 


478.841 


237.403 


902,229 


1.856 


4.537.737 


14.321 


32.636,839 


4.572.369 


396.249 


254.150 


1,039.786 


3.204 


7,130,000 


14.483 


32.614,008 


4.499.115 


4.130,410 


378,70s 



816 



LIFE INSURANCE HISTORY. 



MASSACHUSETTS 







Interast 




Death 


Matured 

Endow- 

nenttand 


Surren- 


Dividendt 


Toul 


Year. 


Premiunu. 


and Other 


Total 


Claims 


dered 


to Policy- 


to Policy 






Income. 


Income. 


Paid. 


Polictet. 


holders. 


holde.^ 




' $ 


$ 


$ 


$ 


$ 


9 


$ 


$ , 


1871 


1,181,433 


204,082 


i,385.5'5 


227,643 




i^:^ 


153,016 
181,148 


559.389 


1870 


1,141.367 


175.840 


1,317,207 


357.300 


40,000 


627,3" 


1869 


t^a^ 


160,314 


1,159.933 
977.786 
834,099 


270,800 




108.392 


315.759 


594.951 
351.MS 


1868 


112,917 


129,900 




82.348 


39637 


X867 


•749.946 


84.083 


182,100 




85.337 




368.79a 


z866 


731.090 


III.057 


84^147 
587.863 
411,918 


169.554 




5».374 


256,635 


477.463 


1865 


548.438 


39,435 


100,750 




29.180 


22 


139.952 


1864 


371.898 


40,0^ 


115.650 




16,389 




129.988 


1863 


235.636 


23.976 


259.612 


52,800 




609 


xS:^ 


1862 


190,943 


3t.ao3 


222,146 


54.6CX) 




18,214 


35.451 


1861 


169.127 


12,460 


181,587 


59.400 




19.367 


17,534 


96.201 


i860 


157.895 


6.648 


164.543 


37.700 




12,425 




50,125 


1859 1 






110,247 


29,500 




8,941 




?8.44i 


1858 






70.073 


zo,ooo 




6,279 




16.279 


1857 






55.043 
41.916 


5,000 








5.000 


1856 






6,500 








6.500 


1855 






29.684 


12,000 








12,000 


1854 






19.440 


5.150 




3,114 




7.36» 


1853 






14,121 


5,000 




1.435 




6.425 


1852 


".53a 




".533 


2,000 








2,000 



t Year ended July 31 up to this yea-. 



Capital Stock, $25,500. j: 



BERKSHIRE LIFE INSURANCE 



1890 
X889 
1888 
1887 
1886 
1885 
X884 
1883 
1882 
1881 
1880 
1870 
1878 

1877 
1876 

1875 
1874 
1873 
1872 
1871 
1870 
1869 
1868 
1867 
1866 
1865 
1864 
1863 
2862 
1861 
i860 

\in 

1857 
1856 

185s 
1854 
1853 
1852 



1,020,582 
903,358 

8x1,557 
753,365 
725.796 
669.115 
597,544 
580.399 
533.343 
490,823 

383435 
300,486 
382,089 

415.749 
443201 

484714 

504.368 

513.63s 

530,351 

502,821 

475.507 

584,385 

412,060 

333,719 

199.785 

135.793 

95.626 

73,669 

67,080 

66,546 

61,403 

53,493 
49.022 
51.561 

& 

35.020 
9.101 
2,627 



217.426 
900,041 
183.124 
176.373 
188,953 
189.589 
i88.2|i 
194.481 
19*.730 
205.132 
198,623 
197,828 
188.308 
191,085 
195,146 



8.382 



168.: 



144.880 

118. 176 

91.837 

94,890 

84,322 

39.981 

43,127 

34.905 

35.537 

37.944 

I4.i8§ 

X 1.558 

9.495 

8,724 

7,218 

5.786 

4.576 

S.188 

9.576 

737 

59 

226 



1.238,008 


309.045 


'•5S:S? 


^.^ 


939.638 
894.749 
858.704 
785.795 


185,573 


100,276 

183.493 
168.101 


774.780 


194.385 


715.073 


162,300 
104,626 


ssf'SJI 


101.217 


S88.3I4 


107,161 


M 


133.493 
93,770 


638.347 


165,387 


676.271 


147,899 


673,750 


111,609 


657515 
594!^ 


117,483 
73.650 


'i§'74! 


iS;g? 


88,258 
103.346 


453,041 


73,000 


364,846 


50.300 


334.690 
151.330 


i6;6oo 


133.570 


39.000 


78!4^ 


35.981 


13.500 


76.041 


14.000 


70,127 


37,000 


56.137 


16.700 
8.500 


11.993 


41.401 
40.643 


6,500 


7,300 


35,747 
9.100 


4.980 


3,853 


960 



85.041 


178.894 


IS6.909 


97.333 


190.131 


101,077 


134.541 


160,429 


I^IS 


^:S 


158,493 


131.861 


X03.793 


143.603 
113.839 


906,893 
133.071 


& 


11X.350 
26s.f77 
216.870 
128,225 


F 


'm 


86,125 
83.246 


56.976 


88.347 


80,613 


51.495 


100,707 


102,785 


& 


103.633 
91.949 


34.304 


'& 


93.900 


7.900 
8.409 


77.345 


60,484 


63.973 


3.000 


36.435 


60,0x2 


1.500 


49.S30 


50,873 


1,000 


56!988 
34,834 
X6.444 


93.769 




6,151 






2,262 






3.449 


90 




4.811 


383 




7.168 


30,355 




5,089 












t^ 


13 
901 




3.539 
5.4x8 
3.059 


13,267 




622 
348 





699.8 
613,0 



^943 
M63 
>.I55 
J.834 

[.955 



546.866 
374-373 
333.997 
436.378 
4«i.9»7 
397.399 
341,082 
983440 
350.348 
171.087 
917,640 

197.878 
332,9x0 

145.695 
260.413 
46.601 
23.86a 
43.469 
41.075 
41.034 
19.089 
39.734 
31.553 

I2.S3 

28.800 
21.9x8 

9.359 
5.60a 



t Guarantee capital not retired. Company practically mutual. « Keserre calculated at 4K per cent. 



LIFE INSURANCE HISTORY. 



817 



MUTUAL lAFE^Continued, 



^^r- 


Total 
Dttbune- 
menta. 


N>w Business. 


Outstanding 
Imsubancs. 


A.,eu. 


LUbiliUes. 
4%' 


Surplus. 
4%' 
















No. 


Amount. 


No. 


Amount. 










$ 




$ 




$ 


$ 


$ 


$ 


334.835 




3.334 


7.633.969 


14.477 


33.275.5^ 


4.075.818 


3.758.870 


316.948 


a35.6g 


863,989 


4.507 
3.854 


10.6^8,564 


14.133 


32.490,597 


3.419.304 


3;798!656 


9Z4.209 


237,060 


833,011 


8.861,680 


12.394 
10.390 


38.164,041 


2.879.957 


151.301 


144.238 


396.123 


2.772 


5.765.895 
4.015.378 


33.400,6x6 


2.446,355 
I.857.9Z8 

1,481.498 


3.306, Z93 


Z40,x63 


139.690 


398.482 
596,835 
331.986 


2.077 


9.145 


31,334,986 
30.l46.zi9 


1.586.334 


z8z,840 


119.372 


2,963 


7.513.300 


z,399,658 


101.354 


2.563 


6,783.525 


15.901,95s 




6^;^ 


383.093 


71.234 


201,333 


'•ut 


4,879.000 


4.847 


z 1,382,950 


912,690 


98i,o69 
9Z8.090 


42.607 


112.405 
141.054 


3.106,700 




7.421,350 


674.764 


456,674 


33.389 


663 


1.436,150 
1,386.750 


2,847 


6.176.980 


512.947 


343.352 


169.595 


31.443 
32.289 


127.644 


649 


9.697 


S.736.6JO 


438.964 
381.743 
271.298 


329.207 


109.757 


82^4x4 




3.013. xoo 


3,617 


5,628.980 


297,054 


154.689 


26.050 


64.491 


5^ 


2,065,050 


1.856 


3.823.580 






18.534 


34.813 


1.335.900 


1.915 


9,504,600 


930,960 


96,910 


194.050 


17.719 


22,719 


f 


722,150 


I, no 


9,93Z.730 


Z84.909 


79.481 


104.731 


'^^ 


19.562 


925.950 


1,001 


1.721,330 


150,475 


49.435 


xoz,040 


20,154 


361 


699.500 


707 


1.196.930 
720,780 


196.934 






3.869 


11.133 


903 


297.650 


502 


116,705 






4.330 


10.755 


333 


3x3,350 


422 


547.895 


108,397 






4.501 


6,501 


312 


367.395 


.... 




IOS.03Z 







COMPANY, PITTSFIELD, MASS. 



iDcorponted May, 185 1. 

Commenced Business September 4, 1851. 



247.449 
233,008 

Z9T,9ZO 

179.054 
X66.679 

154.645 
Z4o.4oa 
138.158 
115.770 
Z09,830 

Z09,396 

93.112 

t«3.085 

80,907 
79.241 
90,271 
88.Z59 
86,436 
89.164 

96.787 

ZZ9,888 

27.148 
3Z,o76 
16.369 
17.982 
Z9.006 
17.863 
15.538 
14.109 

Z8.040 

7.425 
4.742 
i»905 



§47.^8 


9,981 
2.764 


785.153 


2.234 


877,3X7 


9,059 


788,^79 


1.971 


483.599 


1.004 
1.030 
1.104 


1.159 


1.085 


476.371 


1.044 


476,640 


Z.OOI 


431.353 


^ 


371.592 


960,351 


808 
767 


315.138 


1.054 


319.210 


l^s 


352.799 


235.844 


1,309 


939.107 
89.488 


1.389 


757 


46.009 
63.545 


358 


273 


57.344 
47.587 


165 
149 

»37 

32s 


37.091 


913 


96,978 


149 


27.300 


2g 


13.027^ 


455 


4.990 


192 


2.925 


IZ3 



7,492.805 


ix,68o 


6.931.888 


10.434 


5.431.753 
5,146.376 


9.27s 
7.0S7 


4.599.474 
3,894.099 


3.083,944 
9,969.Z35 


t^ 


9,676,313 


5.901 


9.48X.384 
9.4^.967 


i:?S 


9,546.419 


5.373 


2.073,090 


5.253 


2,933,89X 


5.354 


2,425.395 


4i8i3 
4.709 


X^ 


z,89Z,7i7 


4.570 


9,oZ4,667 


4.479 


3.304,476 


4.435 


3.66a,Z47 


4.419 


3,968,6iz 


4.204 


3.310.779 
3.663,750 


3.764 
3.265 


2.003.950 


2.97s 


8oa,ooo 


1.587 


674.300 
993.800 
936,150 


1.319 


423.900 
093.375 


1,078 


1.0x0 


380.500 


845 


306,100 
613,350 


751 
775 


585.250 


536 


S^iioo 


319.450 


^P 



28.374.5$3 
25.054.963 
3Z,90i,388 

19.657,323 
17,877,337 
z6.309,3ZA 
Z5,oio,3oo 
Z4,Z33,9Z3 
Z3.oo5,368 
12,363,905 
11,930.030 

11.458,633 

zx,xx6,576 

11,653,069 

12,331,015 

10,940,9x6 

10,823.154 

10.734,043 

xo,4So.4i3 

xo.049,905 

xo.027,753 

9,766,841 

9,023,568 

7.9«.o85 

5,418.075 

3.351.550 

9,79A,45o 

9,9J[8,XOO 

9,069,650 

9.X63,90O 

9,097,500 
x,76i,900 
1,609,900 
1.667,950 
1.419.350 



1.006,350 
316.550 

X96,900 



4.700,734 
4.393.249 
4.122,343 
3,903,871 
3.850.055 
3.796.168 

3.749.927 
3,676,140 

3.577.134 
3.577.063 

3.511.178 
3,43^,056 

3.290.964 
3.371,353 

3.235.521 
3,074,571 

2,835.487 
3,5X0,769 

9,x8i,699 
1,780.330 
1.510,376 
1.344.005 

^•» 

660.398 
506,014 
390.004 
317.540 

278,463 
337, i6z 

3I9,99Z 

189,708 
163,4x0 
157.067 
86,615 
77,972 
59.913 
53.442 



4.171.542 


529.182 


3.867,549 


525.700 


3,630,149 


492,194 


3.430,947 
3.409.583 
3.355.386 


473,694 


447.472 
440,782 


3.295.659 


454.268 


3.23I.76S 


444.375 




477.041 


|;J§;§ 


423.57s 
342,080 


3.114.934 
3.018.730 


310.089 


278.934 


3,943.041 


329.211 


3,930,333 


315.199 


2,783.522 


291.049 


2.584.316 


251,171 


2:^:^ 


171.647 
98,701 


1.710.309 
1.473,830 


70.011 
37,556 


1,350.009 


93.996 


995.245 


90,634 


SI|J 


149.947 


101,537 


a 396,656 


« 179.358 


a 940,Z35 
« 189.396 


tf 140,869 
a 198.150 







Reserve calculated at 4K per ccat. 



318 



LIFE INSURANCE HISTORY. 



Incorporated February 24, 1853. 



COVENANT MUTUAL LIFE INSUR 







Interest 




Death 


Matured 
Endow- 
ments and 
Annuities. 


Surren- 


Dividemls 


TotAl 


Year. 


Premiums. 


and Other 


Total 


Claims 


dered 


to Policy- 


to Poi^T- 






lacome. 


Income. 


laid. 


Polices. 


holders. 


hokletT 




$ 


$ 


$ 


? 


? 


$ 


$ 


$ 


1890 


it:lS 


21.088 


55.450 


18.326 


5.000 


7.59a 




30.918 


1889 


28,757 


60,365 


48.500 




3.139 


.... 


51.639 


z888 


20.072 
28.233 


24.009 


53.081 


^[466 


.... 


5.874 


.... 


35-557 


1887 


21.979 


50,2x2 


.... 


?:g| 


Z02 


31.001 


1886 


28,024 


23.456 


51.480 


31-467 
20.614 


1,300 


.... 


34.570 


1885 


29.204 


23496 


52,700 




7739 


.... 


28,353 


1884 


30*645 


22.992 


53-637 
58.844 


18.576 


6500 


9,148 


.... 


34,224 


1883 


34.903 


tf^ 


38.630 


3.909 


13.816 


7 


56.362 
80814 


1882 


40.746 


66.732 


21.308 


S.ooo 


53.956 


550 


1881 


41.642 


27.131 


77.185 


37.604 


16.500 


20,502 
14890 
38174 


5.183 


79.589 


1880 


39169 


30,669 


25.452 


9.565 


5.572 


55.479 


1879 
1878 


41.369 
63,152 


35.816 


25.257 


22,643 


5.695 


91.769 


50.699 


113,851 
106.860 


a" 


7.255 


72.374 


6,4-7 


133.124 


1877 


61.359 


45.501 




86,912 


589 


131.945 
63.770 


1876 


90,608 


40.446 


131.054 
166.055 


45,353 




18,412 


5 


1875 


JK 


42023 


73.726 


.... 


20,481 
18.532 


520 


103,727 


1874 


34.077 


173744 
194.656 
185.566 


52.958 





78 


71338 


1873 


158.707 


35 949 


75.307 




10,226 


2.033 


87.566 


1872 


153-748 


31.818 


f^:^ 


.... 


3.076 


17.520 


58.801 


1871 


164.93a 


3^,77^ 


201.704 




9.218 


22,778 


69.8S4 


1870 


163. 118 
126,368 


24.679 


187.797 


21.552 


.... 


9.523 
1,406 


34.446 


65. «i 


1869 
1868 


18,160 


144.528 


8.123 


.... 


32.567 


42.096 



Incorporated November 23, 1857. 



GERMAN MUTUAL LIFE INSUR 



IX 


8.441 


26,100 


34.541 


19.661 




2,063 


5.699 


27.423 


8.914 


25;8b3 
26.493 


34.447 


25.355 


I.OOO 


305 


5.673 


32.333 


1888 


9.107 


34.970 


12.834 


118 


2,500 


5.641 


3I,OQ3 


1887 


9.099 


« 


20.620 


4.175 


1.460 


4.611 


30.866 


x886 


9.104 
9.170 


26.785 


23.203 


3.850 


1,521 


3.515 


32089 


1885 


26.313 


^:^ 


9339 


3,018 


984 


3.574 


16.915 


1884 


tX 


27.062 


20,033 


2,700 


IX 


8,287 


30.060 


1883 


30.352 
27.854 


39.219 


18,619 


4.350 


29.950 


1882 


9,189 


37.043 


17,028 


4.327 


4.411 


fi^ 


1881 


9947 


28.923 
29.948 


38.870 


12. 100 


6,205 


28 


5.607 


1880 


il!598 


39.9" 


14.984 


500 


^ 


21.387 


l^ 


27.958 


39.556 


20547 


2.936 


1.726 


1 


25,242 


14,678 


28,918 
28,849 


43.59^ 


10.747 




l^^ 


14.741 


1877 


22,120 


50.969 


20,510 
11.328 


300 


136 


29,123 


1876 


29.844 


25,223 


55.067 




l:^ 


191 


16,863 


1875 


38.367 


24.443 


62.810 


22.266 


.... 


5.724 


33.658 
28.503 


1874 


42.713 


22,849 


^'S 


27.033 





1.438 


34 


1873 


49.353 


20,287 


29.579 


.... 


S77 


439 


30.595 


1872 


53.499 


18,123 


71.622 


24,141 
16.523 


.... 


3,231 


4.914 


31.276 


1871 


53194 


15.009 


68.203 


.... 


224 


593 


17.340 


1870 


51.941 


14.252 
7.182 
8,406 


66,193 


12.400 


.... 


747 


5.070 


18,217 


i86i* 


33.903 
51.968 


41.085 
60,274 
45.176 


4.588 
11054 


.... 


rX 


3.849 
3.3" 


8.536 
16,054 
12,061 


1867 


39.842 


2.814 


9.500 


.... 


2,581 


.... 


1866 




34575 


12.500 


.... 


915 


.... 


13.415 


1865 


17^674 


2.699 


20,373 


5.000 


.... 


667 


.... 


S.667 


1864 


9.599 


1,160 


X0759 


1,000 


.... 


141 


.... 


1,141 


1863 


l'^ 


1.530 


2.500 


.... 


82 


.... 


2.58a 


1863 


fA 


7^449 


5.500 




55 


.... 


5.555 


1861 


5.133 


5.944 




.... 


572 


.... 


.572 


z86o 


7,637 


917 


l:^ 


6,000 


• .. . 


304 


. • . • 


6,304 


Jill 


7.514 


634 


.... 


.... 


137 


.... 


l^ 


2.799 


291 


3.090 


600 


.... 







600 



* Business of eight months only. 



LIFE INSURANCE HISTORY 



319 



ANCE COMPANY, ST. LOUIS. MO. 



Commenced Business April i, 1853. 



E^.^ 


Total 
I>isburae> 
ments. 


N>W BUS!NBSS. 


Outstanding 

InSUKANO. 


Assets. 


Liabilities. 
4%. 


Surplus. 
4%- 
















No. 


Amount. 


No. 


Amount. 










$ 




$ 




5 


5 


• 


it 
$ 


a7.66i 


58,579 


631 


716.115 


1,410 


1.893,903 
1,484.219 


375.229 


348.685 


26,544 

4o!878 


aa.736 


74.365 


168 


396.033 


987 


373.013 


353.034 
351.067 


aa,035 


57.593 


130 


208.574 
I4J,830 


968 


1.434.520 


391.945 


19.837 


50.838 


95 


959 


i'.383'98o 


397.739 


349.417 


48.322 


16.773 


51,342 


69 


91.664 


^ 


397.401 


349.106 


48.295 
59.789 


^5.857 


44,310 


61 


88.679 


1.435.487 


«: 


339.133 


13.168 


47.392 


44 


65.740 


995 


1,630,616 


333.497 


56,377 


17254 


73.616 


35 


36.658 


1,069 


385.397 


341.205 


44.192 


26,111 


106.935 


11 


199.536 


1,168 


\-'S-^ 


403.237 


356.373 


46.864 


26.383 


105.973 


321.493 


1.363 


449.338 


418.715 


30.623 


«9.4i4 


84.893 


238 


312923 


1,377 


i.9g.67i 
1,963.703 


494.277 


473.825 


20.45a 


30.515 


133.384 


252 


314.370 


1.337 


512,810 


480.413 
531.686 


a5'.6o6 


39.151 


163.275 


273 


319.683 
358,737 


1.340 


2.054.576 
3,406,318 

3.838.305 
2.865,779 
3.448.442 


557.292 


33.556 


165.501 


330 


1.494 


609,963 


590,940 


19,022 


51.347 


122,735 


397 


799.036 


1,961 


640.139 


629,706 


11.433 


33.049 


96.819 


233 


264.527 


1.654 


681,855 


655.585 


36.270 


€4.or8 


149.025 


513 


776.322 


1,871 


663.653 


640.909 
580,835 


21.743 


'51.574 


817 


1.539,563 


2,105 


4.258.898 


597,070 


16,235 


67.238 


136.039 


730 


1.197.736 


1.837 


3.895.568 


556.463 


511.309 


45.153 
41,281 


66.6Q3 


136.577 


677 


1.375.887 


1.520 


3,536.193 


476.770 




38.031 


103.552 


342 


813.138 


1.136 


3.032.903 


Ki 


36,439 
34.840 


32.951 


75.047 


231 


637,089 


930 


3 571.289 


304.055 










790 


2.372.450 









*4K percent. 



AT^CE COMPANY. 


ST. LOUIS, MO. 




Commenced Business April 12, 


1858. 


5.633 


33.045 


10 


15.384 


445 


685.584 


409.548 


• 
999.681 


• 
109.867 


5.616 


37.949 


13 


23.608 


466 


715.142 


409.269 


^M 


JM 


6.347 


27.440 


12 


23.118 


485 


740.874 

788,718 


413.116 


8.353 


39.119 


10 


9.111 


495 


4O9.5M 


297.985 


111.517 


6993 


39.083 


7 


15.024 


504 


410,056 


303,596 
3oS.6ig 
307.288 


106,460 


6.355 


23.370 
36.323 


II 


36.043 


521 


808,747 
795.583 


4ii.g04 
398.893 
401,828 


109,691 


6.263 


A 


10,383 


527 


91.605 
92,198 


®15^ 


38.10a 


33.985 




835,054 
838,003 

861.743 


309.630 


7,631 


a 


13 


15,219 


563 


404.434 
407.673 


313.161 


91.273 


7.686 


13 


19,073 


580 


314.068 


93.605 


7.791 


29.178 


11 


17,039 


583 


865.J75 
875.857 


» 


315.761 




9.944 
8.799 


35.186 


15 


34,000 


594 


392,964 


88,818 


23.540 
36,342 


25 


44.000 


607 


907,316 
945.813 


376.367 


304.351 


73,016 


7.219 


11 


37,000 


633 


356,492 
345.081 


302,319 


54.173 
41.078 


5,103 


21.965 


16 


26,138 
27.485 


665 


1,035.548 


288!858 


5.587 


39245 


13 


686 


1,075.954 
1,136.481 


Ul:^ 


22,997 


5.901 


W 


90 


35500 


708 


369.036 


16,789 


7.032 


34 


59.753 


^ 


1.164,844 


254.178 


245.783 


8.395 
10,983 


9.643 


40,9x9 


44 


71.263 


1.179.235 


233.565 


313 282 


10,801 


28,141 


73 


107,050 
145.385 


710 


1,300,644 


196,941 


180.254 


16.687 


10,186 


28,403 


79 


659 


1,171,910 


159.981 


ll5:Si 


4.788 


6.867 


26,871 


74 


132,437 


616 


1.139.242 


133.292 


9.004 


10.817 


'^ 


268,370 


565 


1.057.243 


m 135.316 


50.304 


85,012 


10,117 


23,198 


158 


287.446 


481 


883,521 


« 104.909 


50.942 


53.967 


7.888 


» 


173 


339.000 


399 


724.325 


m 81,335 


50,337 


30.988 


1:9 


113 


204.075 


257 


467.275 


m 67.964 


50,248 


17.716 


4.867 


31 


74.800 


159 


296,700 


m 59.468 


51.245 


8.223 


3.187 


l:S^ 


30 


53.000 


134 


235.600 


« 54.492 


52,163 


'-m 


3.296 


17 


35.800 


113 


903,100 


m 49,993 
m 50,823 


50.657 
50.085 


3949 


xJSJ 


II 


18,700 


104 


194.500 
383.300 


-S2 


4.560 


37 


57.300 


149 


»» 51 1258 
m 48,748 


51.113 


5.og8 

3.781 


tw^ 


80 
79 


164,000 
134.500 


78 


367.900 
133900 


50,035 
50.038 


1.623 
—1.290 



* Rcscnre calculated at 4% per cent. m Ledger assets only. 



LIFE INSURANCE HISTORY. 



Incorporated March a, 1857. 



NORTHWESTERN MUTUAL LIFE INSUR 







Interest 




Death 


Matured 

Endow- 

menu and 

Annuities. 


Surren- 


Diridcnds 


Total 


Year. ' 


Premiumt. 


and Other 
Income. 


Total 
Income. 


Claims 
Faid. 


dered 
Policies. 


to Policy- 
holdeza. 


t*> PoilCT" 

hoidei^ 




$ 


$ 


$ 


$ 


$ 


$ 


$ 


$ 


1890 


8.932775 


3.196.593 


ZX.XI9278 


2,123.990 


470.498 


207,007 


M 


3.923.136 


z88o 


7.347.194 


3,033.365 


9.379.459 
8.000.633 


x!346!8g8 


459.527 


3,543.139 


1880 


6,339,434 


1.771,209 


'^t^ 


261,095 
2481913 


956,761 


2.799*697 


^lll 


5.230.9J3 


1,639,166 


6. 860, X 19 


1.416,303 


1.457,6x1 
820.904 


3347.809 


1886 


4.416.489 


1.454.308 


5.870.797 


1.000.569 


343.613 


2-413.999 

'MB 


^11^ 


3.78S.045 


1.319.184 


5.104.229 


1,049.004 


487.831 


^^ 


778.594 


1884 


3.376,776 


1.379,106 


4.655.882 


860.367 


727.135 


'5!3 


3.009.213 


I.900.C0Z 


4 209.213 


8x6.436 


257.653 


675,830 


i88a 


3.630,148 


I.I75.69O 


3.795.838 


4<«.49a 


191.370 
If 0,508 
141.830 


686.896 


9.143.350 


i88x 


3,179.562 


1.194.571 


3-374.133 


S7S.060 


768.6x1 


3,971.015 


1880 


l.86o!978 
1.984.578 


X.268.033 


3.144.957 
3.178.545 
3317.445 


698.523 

819.825 

Z53'5i7 
2^3.885 


SS1.896 


788.269 


3.X80.5X0 


\t^ 


1.317-527 
1.332.867 


418.696 


003,190 


792.184 
919.562 


3.663.746 


'SZZ 


9.393,341 
8,565.805 


1.418.746 
1.359.567 


3.711.087 


to9.36o 


1876 


3985.372 


873,866 


^% 


631.740 


835.4|8 


3.412094 


1875 


2.676,739 


1.376.754 


4.053.493 
3.992.661 


636.023 
701,108 


547.716 




3.004.490 


1874 


2.839,270 


1.153-391 


18.X39 


550678 


694015 


1.898.856 


1873 


3,953,464 


953.788 


3906,353 


1,000 


539.516 


560. x8x 


1.801.80S 


1873 


2.939-597 


755.467 


3.695.064 


6o6!o2i 


400 


434.343 
477:958 


449.372 


1.466. X03 


I87I 


3.113.546 


659.046 


3.772.59a 


1.333 


497.072 


i.5&i.384 
790.824 


1870 


3.209.66| 
3.028.306 


460,707 


3.670.370 


477.085 




297677 


i6.o63 


1868 


310.383 


3338.589 


433.443 
326,413 




'iJ:2^ 


321.230 




2,323,348 


194.997 


i:^:^ 




'^^ 


600.784 


'SS 


1.573.259 


120,537 


180.725 




56.383 
30,842 


336.066 


1866 


1.003.855 


71.353 


1,074,208 


107.463 
40,576 
55.651 




S9.03I 


128.348 


1865 1 

l865» 


306.731 
443.762 


\^^s 


^1.955 
462.377 




91x69 


ntl 


1864 


200, x8o 


"s.^ 


211.541 


25.500 




S.829 


17.386 


48.715 


1863 


97.929 


103.584 


194200 




4.663 




^3-863 


1863 


- 68.484 


3.201 


i^ 


6.800 




241 




7.041 


1861 


^5" 


1.347 


6.500 









6500 


x86o 


36018 


323 


26.341 


3.500 








3.500 


1859 


12,623 




12.623 













* Year ended June i up to this year. 



t Bttsinefts of six months only. 



Capital Stock, $100,000. 




EQUITABLE LIFE ASSURANCE SOCIETY 


X890 


29.352.508 


5.684.175 


3S.P36.683 
30.393.288 
26.958.977 


8.018,628 


1,050,053 
i,36x,583 


3,531,062 


1,666.930 


I3.;56.673 


issi 


25.357.523 
32,048,813 


5.035.765 


6.825.798 


9,273.084 


«:» 


s«^ 


4.911.164 


6.341.274 


1.393.187 


1.773.332 


'®!7 


19.115.77s 


4.125.074 
3.601,578 


23240.849 


5.129.515 


x,o57.696 


1.555.515 


2.319.783 
1.859.259 


0*330.000 


1886 


16,272,155 


19.873-733 


4.895.273 


549.066 


1.033.0x0 
86S.705 


1885 


13.461,679 


3.128.374 


16.590.053 
15,003,480 


4,07X,040 


400,774 


x.740.170 


7.138.689 


X884 


i2.03x,330 


2.972. X50 


3.596.658 


6x71348 


1,086,999 


1,850.145 


fu^.07^ 


1883 


xo.737,548 


2,745.024 
2,956,802 


13.470.572 
ii,879.X7i 
10,083.506 


2!766;358 


999.809 


1,801,809 


1882 


8,922,309 


390.4IX 


978.741 


x,843.p3X 


5.977541 


x88x 


7,713.807 
6,832,946 


2.370.699 


2.683,314 


343.7x7 


803,694 


1.505.631 


5.»36,35^ 


x88o 


1.902.753 
1.950,681 


8,735.699 


2.335.243 
2,248,464 


315.657 


752.421 


1.389.617 


4.7^.9^ 

4.988.87X 


\n 


6.396,400 


8.347.081 


327.823 


I.003,x85 


1^1 

i;8x3!o77 


6,543.751 
7.066,650 


1,674, X92 


8,217.943 
8.93X,028 


x,903,o8x 


312.095 


1.092.930 
1.389.275 


4.935.171 


1877 


1.854.378 
i,728,4ix 


1.932.536 


176,360 


S*^^^977 


1876 


7.514.131 


9.242.542 
9.571.886 

9.647.317 
0,796,049 

8.411.145 


2,106,040 


32.480 
51.579 


1.132,783 


5.170.49ft 


1875 
1874 
1873 


7.999.991 
8,223,879 
8,537.563 


1.571.895 
x.43j,438 
x,358,486 




1,115.579 
807.587 


1.743.670 
i!3s!754 


5.335.013 
5.076.599 


X872 


7.417.962 




68x,630 


28.693 


3.&46.390 


X871 


6.782,375 


7.603.851 


1,584,376 


X.927 


1.065.550 


3.459.340 


1870 


6,337.724 


7,009,344 


1.404.116 


2,454 


719.617 


925.258 


3.051.445 


X869 


5.769.295 


499.097 


6,268.392 


1.183.724 


1.399 


X23.0^ 


1.933.003 


\m^^o 


x868 


4.479.197 


360.960 


4,840,157 


765.723 


460 


82.983 


» 


1867 


3,062,667 


184.356 


X, 807,290 


426,339 


345 


30.717 


909.867 


1866 


1.704.379 


102,917 


189.269 




8.7S1 


14.023 


aia.043 



LIFE INSURANCE HISTORY. 



321 



ANCE COMPANY. MILWAUKEE. WIS. 



Cominenced- Business November 35. 1858. 



Etc. 



Total 
Dubone- 
mniti. 



N>w BosfNUS. 



No. 



AmooDt. 



ovtstandimc 
Ij^suramcb. 



No. 



Amount. 



Assets. 



a.959.669 
1,718 734 

1.479.393 
I.433.891 
i,i6a,5o8 
851.183 
753.74a 
731357 
815 oao 
690.37Z 
501.3x3 
46519a 
440.140 
479804 
543.140 
489.578 
583.83a 
482050 

543.666 

556457 

503.033 

201.383 

'74.596 

77.188 

90.78a 

50458 

24.734 

15.C80 

9.8iO 
6.655 
3.6^ 



$ 

5.360.846 
4.279,090 
4.771.700 
3.576.507 
3.488.977 
3.239.710 
3.958,187 
a.058.370 
3,801,286 
a.681.733 
3.138.938 

3.528.93a 
3,371.471 

2,955 233 
3 474.060 
3.483.686 
3.383,855 

X.993233 
2 097.170 

1.460,096 

1.153.606 

627.349 

303.344 

123.131 

177.633 

99.173 

48597 

23.031 

16.330 

10,185 

3.688 



$ 
63,236.609 
51.777.480 
43577.360 
35 608,930 
31,446.673 
26.359.387 
21.057952 

30. 136.583 
18,719,669 

17.559. 715 
9,801.281 

S 056.426 
,108407 
9366,364 
13.375.839 
13 007.730 
ix.796.039 

13,037 361 
14.361.933 
14.833-709 
18.178.759 

23.'J77.137 

35,381.748 

30.368.134 

10 570,600 

5,979.903 

4.897.750 

3.994.500 

1.307.950 

1,861.350 

751.450 

713.300 

555.200 



08.535 

84.329 
73.130 
6i.4o6 

56.544 
50.100 

45.948 
43.801 
40.871 
37.491 
34.172 
33.066 
33.254 

36!456 
36,438 
3540a 
35. »6 
35.207 

34.349 

35107 

31.816 

27,887 

31,380 

14.799 

10.749 

8.131 

4766 

3.385 

1.584 

785 

4'4 

137 



$ 
338,908.807 
203.405,933 
173.518.801 
147.615.3a3 
137,639903 
110,710,861 
98,798983 

? 2,083.093 
3.355424 
74.503.740 
64,967.081 
61.948,888 
61.441,014 
64.4x6 847 
67.493.191 
67,134.315 
65,|oi,oai 
64.g93.003 

64,183.874 
63,435 187 
65,186,707 
59.608,675 
50039.745 
36.539.333 
33,517,013 
15.041,082 

11,317,155 
5.902.150 
3.076.150 
2,370,650 
1,544.000 
962.100 
408,800 



$ 

42,338.259 
37.107.929 
32.650,860 
28.836,356 
36,648.075 
34,238.046 
22.497.773 

31 085.384 

lb 003.390 
18.295.331 
17.952.747 
17.910.037 
18.093.a99 
17.995 863 
17.043.701 
15.457.315 
14,000.755 
13.349,811 
10,556.168 
8876.347 
6.^8.569 

4.725 715 
3.135,173 

1.747 759 
904.252 
593.179 
374357 
161.363 

lo6,o'»4 
56691 



Liabilities. 
4JC. 



Surplus. 
4*' 



$ 
35,831.588 

31.475 923 
a7.987.374 
24,819.130 
32,310.313 

30,331.925 
19.033.087 

17.997 539 
16.849,453 

15.919.578 
15.343.256 

14954963 
15.064.813 

15.467.473 
15,430 831 
14.598.601 

13.477.833 

13.31 1.343 

10,906 547 

9.568.443 

8.358.741 

6.414,401 

4.473.259 
3,647.311 



$ 
6,616.671 
5.633,006 
4.6§3.486 
4.017,336 
4.33776a 
3,906,133 
3,475.686 

3.087.84s 
3,902.844 
3,883,820 
3 952.075 
3.087784 
3.845,334 
3,635.836 
3,575.043 
3.445.100 
1.979.483 
1.695.512 
1.443,364 

987.725 
517.606 
374,168 
252.456 
497.961 



OF THE U. S., NEW YORK CITY, N, Y. 



Organized July 26, 1859. 
Commenced Business July 28. 1859. 



7.337.390 
6,004,095 

4.945.4*9. 
4.076,d»5 

3.428,379 
2,901,571 
3.703.333 
3,106.833 
1.883.998 
1.745044 
1.513.915 
1,376.035 
1.195.84a 
1.635.479 
1.333.0-^5 
1,394378 
1.759.745 
1.579 397 
1.379.841 
1,181.078 
1.096.779 
1.03737 
853.908 
650.' 96 
398.831 



30,59A.c63 

17 846,953 
16.839,906 

14.139 154 
XI.764 987 
10.040.360 

2898,009 
.567903 
7,861, 
6,981.. 
6.306.1 



..^1.539 
6,981,400 
6.306.853 
6,364906 



6,131,013 
6 859.750 

6.503.453 
6.639.390 
6.576,147 
6.655.936 
5,036,131 
4 640,418 
4.X48.334 
3.578.568 
3,538.018 

1.559963 
600.874 



303,836 107 
175 364,100 

153.933 535 
138,033.105 
111.540,303 
96,011,378 
84 877.057 
81.139 756 
63.362,379 
46 189096 
35,170,805 
36.503.541 

31 440,313 
30,713.793 
a5.O3O.577 
30,538 017 
34.189.815 
53.453.578 
51 011,079 
41 804.027 
40367799 
48.545.794 
51 893.345 
4S.453.7OO 
30.267 743 



148.405 
139454 
110,293 

95.87a 
83.699 

75.196 
656S0 
58,1X2 
52273 
48.048 
46383 

48.736 
48700 

47.a88 
43.135 
38.827 
36340 

37,666 
20,511 
13.336 



720,663,473 
631.016666 
549.216,136 
483.029 563 
411.779.098 
357.338 246 
309 409. '71 
375.160588 
333839.630 
300.679 019 
177,597.703 
163.357.71s 
157.737 356 
160,831 416 
173.050.690 
178,^,686 
181,028,001 
184,382,130 
171 443 351 
154.331 T43 
143.970.984 
134.335 861 
113,558.313 

83 571 130 

5*5.764.831 



116,887,786 

105.361.363 

93.313-329 

83.975.683 

74.332.973 
65547.594 
57.548.710 
52,303.254 
47.756.079 

44,078,031 
40.706,401 
37.^00,917 
35.015.676 
33058,000 
30 872.374 
38.585.041 
35.606.848 
23.378,315 
19.160,538 

15 791.440 

13,3 6,cs5 

10.510,834 

7.731,077 

5.125,423 

3.077,788 



IS' 



^88i 
1.927 
>.3S4 
59.047,467 
53,691.849 
47,400.750 
43.704.699 
39.947.255 
36 831 813 
34150.747 
31.816,447 
30.711 563 
39,435.653 
28,297,979 
26,436.785 
23.978.427 
31,423,506 
18.466,534 
15.386.950 
12,837,591 
10.191.070 
7370.149 
4.745 320 
/2.383.446 



31.510,671 
31,073.479 
19068.403 
16,689.338 
15285.506 

12.855.745 
10.147958 
8,6>8 554 
7,808.824 
7246.2S 
6.555.654 
5.184 470 
4304.114 
3.032,348 
2,574.395 
3,148.356 
1.638,431 

955.709 
694,004 

404490 
408,434 
359.754 
350938 
380,103 
7694.342 



/Resenre calculated at 5 per cent. 



822 



LIFE INSURANCE HISTORY. 



EQUITABLE 



Yetf. 


IVemtamt. 


Interest 

and Other 

Inoome. 


Total 
Incone* 


Death 
Claims 
Paid. 


Matured 

Endoww 
mesUaad 
Aaaaities. 


Surren- 

deied 

Policiei. 


DiTideiicb 

to Poticy- 

holdersT 


Total 

toFoticT- 

holdeiJ^ 


i86z 
i860 
1859 


$ 
900.583 
535.844 

%'^ 

95.33a 
65.547 
99,707 


$ 

43ia36 
17.46a 
ia.i4X 
8.098 

3!7i8 


$ 
971.648 

181,379 
X03.430 
71,071 

a5.4a5 


$ 
'54.936 
77600 
40,000 
99,000 
X0500 
5.500 


$ 


1,997 

3,836 

154 


$ 


$ 

X61.891 
80.109 
4x8x2 
30.927 



Capital Stock, (125,000. 



WASHINGTON LIFE INSURANCE 



,800 


9,089.808 


473.636 


3.555.4H 


618,947 


396.587 


987,633 


X56.6J9 


x.989.096 


^887 


1.075.894 
i.83i.5a7 
1,654.211 
x.508.699 


556.x^ 
451.478 

430.890 


IP 


596,777 
609,945 




368,804 
355.W 


157.171 


1.379.608 


1886 


407.118 


\mi 


I57.36| 
X55.876 


149.107 


1.111.383 


1885 


1.309,483 


453.975 


431.389 
413,631 

331.678 


960.103 


146,075 


993^443 


1883 


1.434.33a 
x.347.955 


341.00a 
446.998 


x.775.334 

1.794.953 


x^;f^ 


373^863 


334.869 
338.915 


X.149.641 
973054 


1889 


1.978.001 


351.969 


1,699.970 


457.930 
309850 


X40.381 


841.790 


334763 


z.o64.36« 


i88x 


1,119.031 


3x8386 


1.437417 


117.471 


^39.664 


308.119 


875104 


1880 


z, 016.003 


335490 


i',964!9z8 


339.956 
338.057 


\fX 


334.623 


300,409 


931-465 


J^ 


965.383 


399.535 
390.061 


974.577 


197.067 


%tM. 


955 a6i 
lMi8» 


X,98o,978 

X.I35.840 


301,368 


X73108 


313.985 

397.178 

93.430 

03 901 


169.144 
170.346 

174.743 


\^ 


2l,098 


335.443 


^:^ 


B a.815 
590^ 


X875 


973.450 


370,153 


I.943.6P3 
1.346.540 


14.849 


165.143 


609.080 


1874 


1,007,130 


339.410 


308913 


x6,6o5 


97,795 

8l,9Z2 


143.<%4 


563.711 


1873 


1,043.927 


?tt 


X.957,010 


17.374 


136.574 
109.096 


543.973 


1873 


x.Q3a.4i3 


X,900.649 


366,090 


J:SI 


6x,455 


^:S 


1871 


994.4a7 


136,409 


1.130836 
1.185.667 

I,90l.994 

758.910 


393,696 


3a.a3X 


105,821 


1870 


x,078.344 


107.433 


349,995 


X,096 


33.3x5 


154.093 


4^9.638 


\^ 


Z,X37,Z03 


81.899 


X07 396 


X,096 


38609 


350.750 


457.781 


694,865 


63351 
45.690 
38.944 

90)968 

x8,975 


108.671 


800 


X6.977 




137.X47 


1867 


457.133 
380.585 


509,893 


X17.113 


574 


1X.090 


133765 


1866 


359.539 

989.X47 


65939 


574 


Mi 


77.585 


^^ 


356.373 


44.500 


374 





45.39* 


'S^ 


« 


187.718 


33.350 


374 


779 


.... 


34.403 


'!$3 


Z03.X60 


9.000 
6000 


^ 


X,3I5 


.... 


X0.589 


x869 


58.15a 


13.34a 
7.693 


71.494 


799 


.... 


6^986 


x86x 


37.851 


45544 


5.000 









5.000 


x86o 


a3.39a 


4.907 


38.999 




.... 




.... 





Capital Stock, $125,000. 



HOME LIFE INSURANCE 





1,001.631 


346.519 


x.348,140 


368,188 


64.188 


85.066 


X40.368 


657.810 


^J^ 


394.615 
384.896 


1,234.916 
1.099,186 


336.141 
^^7 


63580 
66314 


01.373 
89.140 


137.903 
X 18,335 


698897 


X887 


7.S6,R17 


1.953.648 


81.364 


74.437 
71.884 


II5.X30 

116.097 


1886 


680.841 


1.065 737 


» 


79,513 


Siai^ 


'?!5 


600,338 


236,019 


!3^'257 


110,747 


Ip. 


114936 


'fS^ 


563.353 
542.475 


36o!5o6 


820.807 


340.051 


100.099 


111.341 


517.38! 


1883 


806981 


205.921 


I5:?xl 


56.891 


112.070 


470.315 


1882 


498.835 


357,339 


756.074 


I93III 


48,011 


106.563 


435.796 



LIFE INSURANCE HISTORY. 



S2S 



LIFE. —Continued. 



Exprn«e«, 


Total 
Dubtine> 
meou. 


N>w BostNiM. 


outstanoing 
Iksukancs. 


Assets. 


LUbiltties. 


Surplus. 
4^. 




No. 


Amount. 


No. 


Amount. 


240,431 
190.803 
80,17a 
50.089 
35.400 
31.576 
11.335 


$ 
409.393 
900,9x3 

48.736 
37.930 
11.335 


1,616 

1.931 

677 

610 

^77 


13,670,760 
8.787.300 
4.563,400 

a.853 450 
1,813,250 
1,899.900 
1.175.500 


8.060 


$ 
37.507.739 
16.564.700 
9,360,450 
5,500.100 
3.670.000 
3,641.500 
1,144,000 


$ 
1,586,534 
1,025.381 
584.714 
394.013 
310.636 
163,618 
113.775 


/7x6,jOS 

1:3,630 

^70.306 

^9,500 


/ 131.601 
/308.976 
/901.043 
/14260J 
<: 908,006 
c 92,959 
c 111,375 



y Resenre calculated at 5 per cent, c Reserve not calculated. 



COMPANY, NEW YORK CITY, N. Y. 



Incorporated January 31, i860. 
Commenced Business February 2, i860. 



578,915 

412.709 


1.868.011 
1.848.677 


4.859 
5.119 


10.638,473 
10,663,767 


39,084 
91.098 


48.397.326 
46.390394 


10,741.899 

10,0x9968 


10,389.314 

rfeS 

8.304.605 


359.585 
348.444 
440.508 
509.874 


1.746,4x3 
1,501,30a 


3.697 


1:^:^ 


19.273 
17.761 


49.768,034 
39.506.597 
36.S74.831 
33.950.394 
33.334.079 


0.401.336 
8.807.479 


385.348 


1.496.731 
1.335.760 


3.966 


6,898,500 
6.289,470 
6.891.831 


16,504 


8,931.130 
7.771.785 


7,769,993 


468.837 


342.318 


9.408 


15.385 


7.292.859 


478.933 


329.794 


1.479 365 


9,917 


15.043 


7.973.660 

6.978,007 


6,917.451 


356.199 


399.210 


1.302.264 


9.644 


14.425 


31.994.723 


6.527.791 


450.816 


297.238 


1,361,492 


9.839 


13.395 


29.374.019 
95.928.150 


6,534.465 

6,191.887 


6.035.329 


499.136 


293.800 


1,181.518 


9.076 


5.079,179 


11.960 


5.697.050 


494.837 


250.053 


9,007 


4.446,079 
3.164.289 


11,076 


93.451.270 


s.815.981 
5.591.889 
5,487,809 


5.251.639 


» 


215.474 


1,189,981 


1.432 


10.139 


31.447.274 
91,915 796 


5.014.953 
4 896,919 


907.0QS 


1.064,610 


1.433 


9,607,008 


9.947 


591.590 
019,307 
486,846 


%^. 


1.079.906 
780,938 


3.398.432 
9.866,935 


10,299 
10,899 


93.127.543 
94.346.500 


5.353.251 

5 173.279 


Xl^^s 


303901 


812,381 


\^ 


3,719.995 


11.141 


95.429555 


4.812.710 


4.389.473 
4.010,586 


4^237 
239^665 


3^3.516 


766,227 


3.936.740 
S.827.269 
6.254,707 


11,093 


9S,091.417 


^:Kf 


339,003 


772.975 


1;^ 


11.398 


96,819.069 


3.646,788 
3.187.532 


233.869 


671.789 


10,962 


25.950.800 

94.888 781 


9.869.837 


993.671 


223,3*4 
255.06s 
327.757 
959,089 

155.383 


654,310 
684.692 
785.5^ 


3.560 


5.788,916 


10,634 


9.665,926 
9,999 813 
1.9M.350 

i.i8j,96o 
918.560 


903,911 


5!o8i 


7.737.987 
13.251,015 


1X.934 

19.1^ 


95,951.1x7 
24.385.759 
20,650,937 
14.099 859 


a.477.348 
9,109,718 


JS?:|2I 


388,148 


10,804796 
7.145.384 


1.5^-3. »52 
1,017.643 


918.199 

99.083 

a 185.971 


I9X.O53 


198.637 


1.858 


4.715.942 
3.718,950 


3.757 


10.017.099 


709130 


«r 593 159 


89.955 


197.647 


1.105 


2.548 


6.990.000 


^^ 


* 399 3*8 
a 187,868 


a 990.749 


60831 


95.224 


919 


9,350300 


1.747 


4.661,000 


a 181,700 


31.890 


49.479 


519 


1.387.950 


1.057 


9,945.800 


267.463 


« 99.992 


a 167.471 
a 141,616 


39.035 


36.O8I 


361 


860,300 


689 


1.910 550 


200.733 


fl59i07 


99,503 


34.509 


^ 


643,000 


438 


1,381,950 


156300 


a 35.188 
tf6,x73 


a 131,119 


20,504 


90,504 


1,093,600 


315 


1,040,100 


141,980 


a 135,107 



a Reterve calculated at 4M p«r cent. * EzecutiTe office in New York City. 



COMPANY, BROOKLYN, N. Y.* 



Incorporated April 30, i860. 
Coo&menced Business May i, i860. 



300,403 


958.213 


3.393 
3.X80 
2.129 


7.391.312 


14.532 


99,037.638 


7.208.949 


5.713.717 


1.495.23a 


979.217 
239.997 


853*.i56 


6.764.10a 
4943.999 


13.129 
ii.5«3 


95.879.17x 
22.748,299 


6.694.305 
6.355.799 


5.304.072 
4.979975 


1.390.933 
1.375.894 


938.118 


797.486 
811,393 


3.366 


5.211.041 


11.073 
10x85 


21.756.596 


6,1x0,009 


4.765.X70 


I.34S.739 
1.383.943 


207 739 


1.942 


4.164.797 


19.^50.061 
17.819.4x6 


5855.842 


4.471.899 


185.4x0 


« 


1.441 


2.791.571 


8.893 


5.646.478 


4.303.526 


1.342.952 


172.522 


1:J?I 


9,953,514 


i6',874.646 
15.696.414 


5.457.587 


4.141 616 


1.3x5.971 


183.609 


652.834 


3.065,544 


!:?» 


4.038,214 


1.365.329 
1.297.050 


161.599 


597.395 


1.345 


2.385.235 


8,273 


3.888.035 



♦ Executive Office in New York City. 



324 



LIFE INSURANCE HISTORY. 



HOME LIFE 



Year. 



Praniunu. 



Interest 

and Other 

Income. 



Toul 



Death 
Claims 
Paid. 



Matured 

Endow- 

meats and 

Annuities. 



Surren- 
dered 
Policies. 



Dividends 
to Policy- 
holders. 



ToUkl 
to Polky- 



Z88z 
1880 

^^ 

1877 
Z876 

1875 
1874 

1873 
1873 
1871 
1870 
1869 
1868 
1867 
1866 
1865 
Z864 
1863 
z86s 
z86x 
z86o 



454.728 
440.042 
465, Z06 
492.355 

S7O.20Z 

034.003 
74Z.666 
781, Z27 

83568s 

840.362 
838,832 
857.289 
884,403 
842.868 

8Z2.879 
671,700 

435.825 
350275 

233.5" 
"9.541 

76.433 

33 



433 
.647 



259,804 
234i739 
283,8x1 

274.76Z 
27o,24Z 
249.452 
225.437 
198.905 
163.491 
154.553 
X31.260 

1X0. 2IO 
92,017 
74.734 
57.195 
43.4: 



17.69s 
XX.767 
5.898 



$ 
714.532 
674,781 
748917 
786.868 
839.16a 
908.764 

X. 0x9.907 

1.030579 

X,06X.X22 

x,038,267 

X,002.323 
X,OXX.842 

x,ox5,663 

953.078 
904.896 

746 434 
493020 
393708 
259609 
X37.236 
88,200 
39.545 



$ 


$ 


$ 


$ 


188,730 
188,773 


XX7,827 
151.195 


44.043 
52.760 


96.048 
99.677 


157.844 


109.236 


106. X30 


203390 

227,800 


128,367 
51.617 


2^1984 


X10.077 
X20.004 


2x9.596 
229.845 


42.117 


12X,463 


147.75a 


6,930 


ZI6.X2X 


158.637 


2X6, 87X 


11,436 


xio,i4i 


2051138 


238,270 
245.500 


2,257 

2.136 


2:2? 


135.2x4 


8.833 


'32'S|3 


199.175 


X92.500 


2,047 


108.367 


^^•*7i 


X90,ooo 


2.047 


« 


198.158 


145.300 


1.643 


166.297 


154.050 


47.615 


'iZ'51? 


133.500 


37, ^^77 


86.260 


62,000 


1.677 


44.846 


73.500 


412 


13.655 


17.187 


44.000 
8.500 




13.062 


9.i'3 


.... 


10.OT8 


3.21a 


6,000 
3.000 




^m 





446.657 
S07.I40 
561983 

5S6.X5I 
648^ 
531.928 
511.533 
502.323 
494.691 
535.574 
473.775 
495.185 

469.7*1 
397.840 
320.709 
257.796 
109.186 

104-754 
66,173 

ai.730 



Capital Stock, ( 


200,000. 






GERMANIA LIFE INSURANCE 


X890 


2,4x1,85) 


749.736 


3.161.586 


897,598 


289.003 


x6i,04X 


220.874 


z.568.516 


X889 


2,256,81 X 


706,189 


2,963,000 


858.414 


282,786 


132.115 


264.458 


I.S37.773 


z888 


1.965.805 


611,225 


2,577.030 


774.625 


228,770 


za8,678 


250,837 


z.358,910 


Z887 


1,780,774 


641,463 


2.422,237 


710.598 


216,0x4 


135.523 


240.026 


z.3Qa,i6i 


z886 


1.749.369 


658.778 


2.4o8,X47 


6o2,69x 


222.506 


144.248 


231,384 


z.2oo.8a9 


Z885 


x,6x4.892 


561,776 


2,X76.668 


689.825 


26o,xi5 


145.715 


204.871 


1.300.526 


1884 


1,561,561 


525.764 


2,087,425 


632,269 


299.649 


Z26.062 


203.694 


z.a6z.674 


X883 


1.491.567 


508,702 


2,000,269 


593.137 


246.515 


127.87s 


206.253 


X.i73.7te 


Z882 


1.361.^1 


484.245 


1.845.896 


637.055 


X72.602 


Z26,2Z8 


172,898 


i.io«.7n 


z88z 


1,3x6,5x6 


456,964 


1,773.480 


533.231 


135.398 


171.507 


169.485 


1.009,611 


z88o 


1.235.741 


453.203 


1,688.944 


510,923 


127.138 


192.077 


158.P54 


988. I9« 


1879 


x,X77,245 


459.196 


1.636.441 


523,166 


"8,378 


226.508 


155.461 


1.023.513 


Z878 


1,230.720 


480,604 


• 1,833,676 


569)282 


X29,l62 


286.726 


J» 


z.o8a72i 


1877 


X, 300.627 


533.049 


8X.568 


346.931 


I,x67.46a 


Z876 


1.395.077 


437.093 


X.832.X70 


453.744 
506. X04 


» 


257.924 


151.496 


894-536 


1875 


x.502.842 


410.137 


1,912.979 


253479 


XZ9.220 


907.459 


1874 


i.56x,4o8 


IK 


1.942.940 


546,332 


5.48S 


zox,X76 


^.077 


1873 


x,6o7,29i 


1,046,097 
X 81 X .924 


578.752 


5.240 


z63,040 


159943 


?2^^ 


Z872 


1.525.699 


t& 


5.251 


105.209 


222.J02 
131.687 


780387 


187Z 


1431.593 


235,222 


x,666.8i5 


7.068 


147.569 


666.563 


Z870 


x,434.252 


2X0,640 


i.6j4.8^ 
X.467 678 


398.563 
295.68X 


2.473 


zio,a44 
66,786 


U2X,632 


732.912 


Z869 


X.293.706 


173.972 


425 


130.573 


493.465 


z868 


x,007.75o 


155.271 


X.223,02X 


269.124 


425 


32.5SO 


118.344 


420413 


1867 


943777 


173.053 
50.318 


X.016,830 


220.750 


425 


16,786 




•37.961 


1866 


693.428 


743.746 


187,500 


425 


7.672 




195.597 



LIFE INSURANCE HISTORY. 



— Continued. 



"TST" 


Toul 
Disbone- 
menu. 


New Businbss. 


Outstanding 

llkSUKANO. 


Assets. 


LUWIities. 
4%^ 


Surplus. 
4%- 
















No. 


Amount. 


No. 


Amount. 










$ 




$ 




$ 


$ 


% 


$ 


150.553 


597.910 


1.230 


3.216,627 


7.862 


14.965.079 
14,348.067 


5037.399 


3.763.100 


X.274,222 


137.550 


fc**^ 


807 


1.504.435 


7,467 


4.99X 137 
4.899.057 


3.699.964 
3.728140 


I.22X.X7I 
I.XOO.9O8 


133.599 


^'098 


72X 


1.931.934 
1,030.263 


yx^ 


X4.308.463 


199.947 


674 


XS.308.663 
x6.800.407 


4.7^ii64 


3.814646 


» 


134.963 


788.368 


797 


i!687;767 


8.495 
9.946 


3.885.392 
4.076.II7 


139.957 


671.185 


930 


x9.902.744 
20.52a. 578 


4.730,193 


654.006 


140.841 


$59,374 




1.495.399 
1.954.609 


10.234 


4.475.117 


3.933.5'>7 


541.610 


153.623 


554945 


x,o8o 


X0409 


20 9^.412 
21.769.083 


4.113.905 


3,7oo,7ox 


413-904 


157.894 


659.585 
709,83if 


1.308 


2,539843 


10,740 


3.739,679 


3,420.306 


309.473 


167.957 


\% 


2.427.130 
2.198,000 
3.574.865 


10 575 
10,516 


21.466. XXI 


3.346.153 


3,osx.2o6 


M 


176.356 


§0.131 
670 oiJ 


21.427,059 


3,002, X62 


9.714.507 


194,0119 


1.93? 


11.154 


22.992 409 


2.670.005 


9,486,234 


183.771 


200,365 


2.X26 


4.339.969 
4,263.927 


1x009 


23 137.081 


2.388,032 


9.183.334 


204.698 
196.1X4 


193.899 


591.739 


2,103 


10.31X 


2x.790.311 


2,0x0.644 


I.8x4.5«> 
1.413.^1 


^V^l 


497.790 


2;i67 


5.522.900 


9.749 
8.975 


20,822.076 


X.643029 


220.548 
tf 278.759 


X6X.586 


419389 


6.515.909 


17.6^5.226 
x3.086.650 


1.931.679 


« 959.997 


IOS.699 


211.885 


2,069 


4.335.650 
4,402,184 


6.359 


890.029 


tf 634.335 


tf 955.674 


88,796 


IS 


2.286 


5.046 


XO 2X2 600 


627.9x0 


tf 400.765 


« 237.147 

a X69.581 


57.593 


2.x8x 


4.9*7.550 


lio^o 


7.165,450 


418.399 


a 248,748 


40743 


69,473 
45.634 
16,715 


778 


x,70i.500 


3 825,900 


977.35 

157.878 


tf 94.713 
« S6.515 
« 99.530 


a 182,592 


36,099 
13.349 


902 

447 


9.083,300 
x,xoi,65o 


1.114 
497 


2,696,100 
1.055.650 


« 143.963 
4x28,348 



a Resenre calculated at ^% per cent. 



COMPANY, NEW YORK CITY, N. Y. 



Organized April 10, i860. 
Commenced Business July 16, i860. 



581,8x1 


9.150.397 


568.791 


9.106.494 


480,394 


1.833.304 


398.657 


X 700,818 


389.044 


1.589.873 


393.876 


1.694.409 


393.066 


x.654.740 


384.855 


1.558.635 


341.882 


1.450.655 


349.949 


1.359.570 


344.993 


1.339.415 


995.070 


1.318.583 


307.731 
317.596 

3^1.345 
355.031 
306941 
315.109 

3X3. XQO 

339.187 
301.194 
999558 
278.477 
210,947 
178,491 


in 

1.933.090 
X.339.0X8 

X,222.X44 

1.099.577 

998.750 

x,034.xo6 

IP.8^ 
448.908 
374.088 



5.178 


10,015,716 


4.825 


10,051,548 


4.588 


9.482.758 


3.390 


S.447.846 


3.035 


5.390.065 


9.870 


4.887,842 


9,501 


4.246,737 


9,231 


4530,825 


9,125 


4.733.696 


2,o8x 


4.784.705 


9.394 


4,151.662 


9.246 


3.799.439 


9,051 


3.270,448 


9,050 


3.078.174 
3.653.178 
4,129.601 


9,397 
9,843 


9,501 
9,004 


JStS'.Ih 


9.623 


4.387.077 
4.885.4^ 

6.X23,X36 
6,368.582 
6.048,335 


9.964 


3.407 
3.906 


3.781 


6.940.769 


5.0x6 


9,003,100 



b 7,8x2 

^8,276 
30.444 

^0.5" 
28,241 

b 11.495 

b 16.214 

^16774 
23,421 

^16,107 
22500 
38,402 
91.753 

* 5.893 
21.126 

b 7.511 
30.587 
37.841 
20.189 
3239 
19.657 
19.353 
19.650 
20.296 

30 260 
19.799 

19.739 
10.365 

16.3x2 
14.878 
13.820 

I2,X70 



* 905.378 

57,322,242 

3947.704 

53.975.386 

1,067.070 

48 874 933 

X 274.098 

43634.805 

1730.294 
41.817,338 

1.836.609 

39.992.080 

1,667.817 

38.965.120 

997.154 

38.153.663 

36,§r4i 

859942 
33 506,650 

890,493 
33,885,522 
59.025 
39.69^.995 
32.191,263 
39 8x7.295 
34.056.513 
34.431,675 
34,090.100 
34,842.813 
34,600,263 
33.106.472 
32.053.962 
29.593.4x6 
26.565,425 
94.131.487 
30,724.788 



15.736.711 


X4.66i,xx8 


14,825.966 


13.643.395 


13.961. 2 X) 


12.731,209 


13.073.947 


11,821,728 


X2,3io,626 


11,212,924 


11.485.38$ 


10.593.782 


10.857,819 


10,065.763 


10,402,355 


9.648.878 


9.893.670 


9,210.326 


9.456.949 


8.568.726 


9.003.151 


8,136,607 


8.552.877 


7.959.739 


8.268.612 


7,696,292 
7.483.170 
7.995.389 


8.021.944 


7,910,109 


6!o4oioQ4 


6,894.443 


6,324.251 


5.990.675 


5.740,32J 
4.922.858 


ISi 


4.159.877 


3.481.511 


3,224.465 


9,779.309 


9.459.01s 
1.875.363 
X.244,663 


9.179.159 


1,561,718 

cZ 927.983 



1.075.593 

X, 182.64 X 

1.939.991 
1.951.519 
1,097,702 

891,604 

799,056 
753.477 
683.344 
887.516 

866,544 
600,138 
572,320 

538,774 
614.737 
410,081 

315.753 
180,450 

334.067 
337.02X 
339.155 
445.156 
279.863 

a 3x6!68o 



a Resenre calculated at 4^ per cent. 



b Industrial policies. 



LIFE INSURANCE HISTORY. 



GERMANIA 



Year. 


Premiums. 


Interest 

and Other 

Income. 


Total 
Income. 


Death 
Claims 
laid. 


Matured 
Endow- 
ments and 
Annuities. 


Surren- 
dered 
Policies. 


Dividenih 
to Policy- 
holders. 


Total 
to Poticr- 


1865 
1864 
1863 
z86a 
z86x 
i860 


$ 
409.930 

i"i 

3o!c64 
9,111 


$ 

32.592 
22.444 
18.549 


442.522 
250.374 

39.572 
9757 


96,500 

44.000 

18,500 

7.000 

500 


425 
175 
175 
175 


$ 
4.9x3 

'•IS 


$ 


aoi.838 
45.9x9 

19.529 

i.2a6 



iDcorpontted April 21, 1862. 



JOHN HANCOCK MUTUAL LIFE INSUR t 



1890 


2.002.644 


177,378 


2,180,022 


711.688 


88.a27 


37.668 


64.239 


901.82a 


1889 


1,616.58s 


182.958 


i»799.543 


596,510 


128.425 


35.284 


62.671 


822,890 


1888 


1.317.374 


162,789 


1,480,163 


473.843 


86.994 


33.131 


56.889 


650.857 


1887 


1,031.845 


166,134 


1.X97.979 


357.002 


40.074 


23.735 


54.561 


475.372 


1886 


81S.750 


Z68.817 


984.567 


306,938 


66.293 


24,182 


51.722 


449.135 


i88s 


647.X43 


159.175 


806,318 


221.266 


84.828 


37.558 


45.594 


389.246 


1884 


547.058 


137.008 


684.066 


206,460 


loo. 172 


37.484 


44.659 


388,775 


1883 


472.242 


135.597 


607,839 


175.438 


68.692 


34.008 


42,008 


320.146 


1883 


415.537 


145.358 


560.89s 


194.053 


83.19a 


27.752 


43.951 


348.9t8 


1881 


346.887 


169.939 


5x6.826 


161.606 


84.857 


82,851 


53.123 


382.437 


1880 


336.198 


162.658 


498.856 


172,570 


95.098 


59.X15 


56.844 


383.627 


1879 


294,043 


159.958 


454.001 


162,141 


133.055 


63,601 


60,033 


418.830 


1878 


323.173 


193.017 


516.187 


156.723 


119. X78 


76.709 


57.611 


4TD.33I 


1877 


^-^ 


161,499 


515.118 


149.524 


X00.962 


77.751 


51034 


379.271 


1876 


177.118 


580,606 


132.367 


87.987 


^'.^ 


34.317 


390.007 


1875 


^■^. 


161.029 


Z4§''S5 


210.446 


10.707 


."^ 


SO3.267 


1874 


»7i.9i3 


838.711 
810.889 


199.546 


6,802 


327.073 


28,010 


561.431 


1873 


662.5x6 


148,373 


247.258 


2,529 




101.432 


424.014 


187a 
187X 


726,127 
738.140 


122,274 
1x2.332 


848.401 
850.472 


205,565 
X83.931 


3.257 
3.982 
3.610 


7o!X 


108.979 
xo7.4«9 
xii,358 
108,181 


^^ 


1870 


745.487 


83.012 


830,221 


127,100 


53.168 


295.236 


i^ 


694839 


773- 200 


140,400 




55.488 
19.815 


307.878 


561.546 


644.558 


92.427 


?!786 


68.857 
9.xg 


183.575 


'!S 


461392 
223.835 
143161 


35)8^ 


514.746 


60.212 


^.984, 


94.140 


1866 


259.713 


39.500 
8,000 


1.690 


28.721 


69.992 


'!!s 




166.647 


^'iS^ 


.... 


• ••• 


9.566 


1864 


101,613 


24.236 


125.849 


1,000 


859 


.... 


2.459 


1863 


12,597 


9.356 


21.953 


.... 


.... 









Capital Stock. $125,000. 



BROOKLYN LIFE INSURANCE 



1887 
1886 



167,165 
178.853 
187.707 
187.895 
186.738 



83.135 
95.307 
90,926 
92.540 
91.298 



250,300 


138.448 


45.673 


23.636 


2.580 


210.337 

2i3.5r5 


274.160 


126,338 


29.739 


9.493 


278.633 


104.473 


10.422 
28.732 


11.704 


171,267 


280,435 


97.994 


23.023 


16.068 


165.817 


278,036 


76.239 


22»543 


39.872 


16.430 


iSS.o&f 



LIFE INSURANCE HISTORY. 



327 



LIFEr^Gmiinuei/. 






Total 
Disbune- 
menta. 



N>W BUSINBSS. 



No. Amotttst, 



Outstanding 

IlkSUKANCB. 



No. 



Amount. 



Assets. 



LiabilttiM. 
4%' 



Surplu 
4%. 





9 




$ 




$ 


$ 


$ 


$ 


I44.P54 
95403 
73.879 


345.893 
X41.322 


4.634 
3.070 


'Xs'^ 


8.972 
5.502 


14.675.s38 

9,000.288 


5» 


« 534.679 

tf 859,66a 
a 131,878 


74:1^ 


92.408 


3,385 


3.378.333 


3.040 


5,020.502 


l2l;iS 


303.464 


Z^ 


28.424 


^ 


1.318.200 


I.OIO 


3.150,779 


<• 53.736 


307.159 


33.093 


281 


731,100 


389 


1.033.379 


302.472 


^35.430 


177.043 


13,944 


12,944 






169 


499.979 


194.545 


c xo.ooo 


184.545 



a Reserre calculated at 4^ per cent. 



c Reserve not calculated. 



• .ANCE COMPANY, BOSTON, MASS. 



Commenced Business December 27, 1862. 



878^11 


1.780.033 


3202.804 
8x7 


33.083,151 
1507.766 


3402.147 
5.575 


45.773709 
10.059 866 


3.967.910 


3.628.424 


339.486 


713.056 


1.535.946 


3i6o.gi 


18.239,650 
1.469.516 


3320.^ 
^561574 
^303.467 

5449 


36,365.419 
9,514,238 


3.548.080 


3.365,017 


383.063 


593,687 


1.243,544 


3136.702 


15.953.133 
1.349.008 


39.942.053 
9.368.044 


3.3x7.334 


3.044.414 


273,810 


536.563 


1.011.934 


3114.730 
.-.558 


13.334.393 
1.151.847 


23,802,502 
9.133.703 


3.070,649 


3,831,361 


339,388 


403.570 


853.705 


SI 


":?l^:^ 


17.805,910 
8,9^,510 


3.875.581 


2.6x6,410 


359.171 


3I5.X94 


704.440 


360,149 
743 


7.055.933 
1.343.967 


3107,872 

38^:15 


";8654p 


3,747.497 


3.494.933 


353.565 


361.145 


649.920 


^43.434 


4.753,613 

4.085,489 
944.445 


8.940,375 
8,928.099 


2,624,923 


2,410,487 


314.436 


331.385 


541.531 


* 38,999 


^^•S 


6.730.90a 
9.051.897 


3.579.449 


3.383.043 


196.406 


I87.68Z 
18(^042 


536.639 
563,479 


3 35.4ii 
618 

327.880 
810 


3.718,903 
1,110,245 
2.931,860 
1,090,858 
5.483.431 
1.438.539 
1,275,918 
2,273,001 


348,568 

3 36.012 
^ 5.619 


5,096,488 
9,446,288 
3,787,230 
9.9o6.76| 

io;978;584 


3.513.543 
2,511,605 


3.353.555 
3.350,949 


160,988 
X60.656 


314.345 


597.973 


353.go 


330,702 
6,039 


2,571.098 


2,403.278 


167,820 


X22,a30 


54X.060 


312,509 
1.159 


'tWs 


95Z.000 
11,922.714 


2,662. Z2Z 


3.439.563 


333.559 


xa8,X52 


538.373 
513,378 


1.544 


3.022.425 


6.7S 


12.904,660 


2,748.668 


3.517.363 


'^^ 


133.J07 


1.232 


3.607.047 
1.826,8x0 
1,241.628 
1,382,441 


7.390 


14.395.379 


2.806,462 

3,794.844 
3.730,891 


3.561,773 


no 987 
1x2.809 


616,096 




7.338 


13.914.179 
14.374.380 


3.555.199 
3.023,000 


339.64s 
154.438 


133,169 


693.600 


6.891 


14,549.614 


2,642.8^ 


19.222 


907.066 


S? 


X,I29 


3,349. 144 


7.761 


17 032.262 


3.545.357 


2,501 550 


43807 




4.039.047 


8.413 


19,205.764 
19,486.252 


3.449.907 
2.162.7IS 
1,920.768 


2,277.934 


171,983 


X96.811 
183,380 
167.699 


477.616 


3.535.165 


8.492 


1.958.105 
1.689.674. 


204.610 


2 306 


5.097.824 
5.086,711 


M 


IQ.943,245 


331.094 


475.577 


i,*^ 


16,501.254 
12.802,9x2 


1.587.380 


'%.^ 


347,003 


xa8.X30 


311.705 


4.309,9" 


1,214.762 


351.664 


I00.4SI 


194.591 


1.875 


4.395 508 


4,202 


io.138.x58 


881.708 
496.105 


637.454 


?l?:^ 


57.340 


137.333 


1,233 


3,073.500 
1,818000 


?;^ 


5.836950 


399.320 


34.573 


34.139 


770 


333.100 


318.650 


184,»86 


133.764 


1;^ 


178 


1.454.491 
344.100 


733 
174 


3O7.SI5 
115.358 


^:^ 


137,051 
106,292 



3 Industrial businets. 



COMPANY. NEW YORK. N. Y. 



Organized July 26, 1864. 
Commenced Business July, 1864. 



93.287 
80,356 
80.274 
86.293 
95.130 



303.624 


360 


394.001 


45a 


35I.S41 


493 


252,120 


1.983 


350,214 



672.496 

707.673 
871,358 

693.834 
1. 133.756 



4.071 

4,126 

4.358 
4.855 
5.354 



5.566.591 
5.522,368 

5,720. IdD 
5.672.760 
5,766,431 



1.579.299 
1,608.534 
1,636,180 
1.607,984 
1,604,065 



1.424,289 
1.457.538 
1.469^95 
1.449,328 

f 1.434.759 



155.010 
151.006 
166,985 
158.655 
g 169,306 



32S 



UFE INSURANCE HISTORY. 



BROOKLYN 



Year. 



1885 
1884 
1883 
X833 
188E 
1880 
1879 
1878 
1877 
1876 
1875 
1874 
1873 
1873 
X87X 
X870 
1869 
18^ 
1867 
1866 
1865 
X864 



Premiums. 



Interest 

and Other 

Income. 



Toul 
Income. 



Death 
Claims 
laid. 



Matured 

Endow- 

meots and 

Annuities. 



Surren- 

dered 

Policies. 



$ 
'S'*75 
188,971 
9Q4.99X 
X968EI 

338.874 

245.675 
333080 
433613 
477.674 
558.347 
607.700 
608.004 

6ao,35S 
698.933 

666.596 
593.038 
417.333 
327.933 
77.785 
39.389 



X03.186 
81.137 
79.116 
95.350 
149.547 
134.357 
161. 719 

143.877 
139115 
133.835 
1 19.418 
105,0x9 
g.377 
68,490 
66.338 
53.773 
35.160 
ax.360 



488 



t 



96ai9i8 
376.151 
306.477 
377.938 
370.549 
398,333 

378.431 
379933 
494.799 
576.490 
616,789 
691,08a 
737.X18 
713.033 

731,533 
767,413 

733.934 
644.800 
453,483 
349393 
91.073 
37.877 



$ 


$ 


^« 


59 399 


78.397 


63.12 


43 3'50 


133.660 
^.003 


93.307 


154.183 


109.543 


193.097 


131.975 
166.143 


335,150 


343.996 


133.744 


40.075 


145.833 


7.075 


167.340 




146.839 


3.43X 


134.697 


.... 


136,371 

xo7,8oo 


• •• 


89000 


.... 


60,358 


.... 


35,IXX 




X5.000 


.... 




:::: 



DiTidends 
to Policir. 



Total 
tn Policy 



907.0x8 
181.34a 
MS.433 
174.418 
995.944 
395.600 
4x0,666 
533788 
63i.7«4 
36x,4(^ 
304.643 
36B.345 
327.803 
394.694 

a&4.938 

347.87a 

I73.9te 

7X.66B 

37.303 
a.933 



Capital Stock. 


$1,000,000. 


t 




PROVIDENT LIFE AND TRUST 


i8go 


3113,899 


656.163 
555.805 


3.936.939 


630.069 


393.334 


80,190 


376.190 


1.536.643 


hii 


3.33E.18X 


3.599.393 


597.860 


393.741 
337,314 

157.045 


Si 


x.a90.3S4 


x886 


x,946.699 


510.834 
440.408 
394.536 


3 457.463 


396,483 


154397 


• 54.474 
6J.734 
68.309 


347.470 


X885 
1884 


1.778.944 
1.599.674 


3.3x9.35a 
X.9943IO 


394.183 
376,304 


xa8,4D7 
173771 


330.156 
189,896 


JSI^ 


1883 


X. 403.619 


340,1x5 


1.743.734 

X. 503.530 


376.290 


11765s 
101.398 


35.353 

P.25J 

35.138 


165708 


595.006 


1 832 


1.354.991 


307.539 


303.703 


144.510 


587.864 


l88x 


x,ii7,366 


332.1X7 
X78CO7 


1.340.383 


340.875 
313998 


X08.377 


153.331 


537.511 


1880 


984.596 
825.498 


1,163603 


61.983 


35.970 


161,333 


473,183 


\l^ 


305,519 


1,031,0x7 


332,52X 


61.935 


150000 




» 


177097 


940. lox 


\Uili 


33.793 


131.466 


436.536 


'2Z2 


164.791 


934.397 


15733 


60.356 
40060 
38.437 


374368 


1876 


786.453 


X67.803 


« 


114.834 


13.677 


115.708 




1875 


U'^^ 


156097 


X36.63I 


3.83a 


1J:2Si 


3te,9as 


1874 


668.531 


« 


774500 


135.310 


3903 


38.84X 


^750 


1873 


587954 


676.364 


79.43X 


3.393 


3X,S4i 


73,346 


'J^^ 


'«^? 


483.931 


60,935 


544.866 


115.884 


3,613 


37.631 


60.330 


1871 


454.537 


50.330 


504.757 
399.845 


77.3x4 


3.575 


14.304 


5i.4'^o 


i4!;-493 


X870 


365.409 


34.436 


43450 


3.X33 


9*319 


51.569* 


Xo6,46o 


'2!g 


314.135 


33.036 


337. '63 


47.500 


x,3oo 


14.043 
6.335 


33,X70 


85.371 


1868 


3x9,293 


1:1^ 


334.844 
158.334 


23.000 




29.701 


1867 


151.710 


11.500 


774 


3.135 




15.3^ 


1866 
1865 


74.706 
10.939 




76.797 

II,33X 


X3.000 


367 


1.309 




14.670 



t Interest earned by and diridendi paid on capital credited and charged to trust department. 



Capital Stock, |ioo,ooo. 



MARYLAND LIFE INSURANCE 



x8qo 
1889 

1888 
.887 



148.850 
X38,366 
131.189 
115,540 



97.357 
60.335 



340.300 
307,650 
338.^6 
175.865 



76.866 
63,633 
66.893 
73.117 



965 

5.103 

a,6o3 
4.966 



13.904 
5.309 
7.334 
9.730 



17.865 
17.758 
16.3x8 
15.764 



109.600 

90.692 

103.577 



LIFE INSURANCE HISTORY. 



329 



LIFE— CV»«//««^^. 



K^^ 


Total 
Disbane. 
menu. 


Nvw BUSINBSS. 


Outstanding 

1 SUKANCB. 


Anets. 


UabiliUei. 


Sorplui. 
4%. 
















No. 


Amount. 


No. 


Amount. 








9 


$ 




$ 




$ 


$ 


$ 


$ 


86.69s 


393.713 


860 


563,123 


4.385 


5.461.865 


1.551.396 


i 1,384.543 


* 166.854 


88.^ 


373^1 


J:^ 


t^m 


4.373 


5.716,387 


1,563.160 


e 1,4x1.745 


* 150.4x5 


304.303 


4.093 


5.766,886 


1,553,046 
1.531.980 


e 1. 410. 121 


* X4X.945 
e 115.338 


xS:^ 


363.069 


540 


639,381 


3315 


5.749.338 


e 1.415.653 


404.793 
404.938 


599 


805.656 


3.385 


5.990.167 
6,115.686 
6.318.467 


1,630.136 


e 1,400.453 


i 114.98s 
143.046 


109.336 
111,840 


643 


893.646 


f!^^ 


1,487.090 


533.506 


639 


861.500 


1,731,514 


1.594,368 


X37.X46 


1 16,011 


639799 


469 


673.493 


3.316 


7,000,480 


1,930.219 


1.774.589 


145.630 


150373 


783.057 


§ 


1,159,011 


3.76a 


8,604.318 


3.173.709 


2,010.203 
e 2.408.845 


154.506 
^54.854 


160.76s 


533.170 


1.885.686 


4.033 


10.533,7x7 


2,462,699 


133.X19 


437.761 


659 


3:» 


11.373,376 


2.450.060 


JliSJil? 


e xi^.701 


171.834 


» 


i.o7g 
1,7x8 


4.971 


13,304.699 


2.2^.342 
3.068,753 


e 58.061 


318767 


4.159.018 


5.183 


13.389963 
11 992 958 


2.028,872 


39.881 


ao6,377 


S01.071 


^S 


3.811.575 


4.589 


1,907.694 
1.656.549 


1.793.966 


113.738 


190.160 


555.951 


3.3S3,S5X 


4.331 


11.445.004 
14.7367x3 


1.560,936 


135.613 


aa5.a9» 


5I0.330 


X.976 


4.578.631 


!'2S 
4.002 


1.677.517 


X.534.XX2 


X43.4P5 


196.301 


444073 


3,015 


5.333.600 


13.491.030 


X.357.799 


1,237.498 


130,501 


163.873 


336.853 


im 


6.140.689 


3.546 
3.371 


10,794.314 
7.308,35^ 


1,034.850 
693.530 


850.349 
537,106 


JK 


86,386 


XI3.788 


'•S9 


3909.7CO 
1,890,700 


1,701 


4.570.000 


404.4x3 
318,091 


a 3^8.633 
4x81.076 


a 165.790 


4a.S57 


45.479 
13,048 


683 


817 


3.196,700 


a 137.015 


12,048 


374 


638.700 


273 


635.700 


162.765 


« X7.435 


«X45.33o 



# Partly estimated. Reserve calculated at 4% per ceat. 



COMPANY. PHILADELPHIA. PA. 



Incorporated March 22. 1865. 
Commenced Business July 31. 1865. 



699.390 


3.335.933 


4.190 


x3.341.35S 
13.269,382 


35.627 


79.374.94s 
71,816.566 


x8 606.619 


16.159.768 


3,446.857 


538.935 


1,839.179 


4.433 


33,406 


16.946,145 


14.514.457 
13820.314 
11.385.996 
9,906,430 
8.701.185 


3,431.688 


471.345 


1.685.349 


l^s 


11.67S.441 
10,120,783 


30736 


64.003.694 


15.094834 
13.466.769 


3 874,610 


418.441 


1.333509 
X. 197.978 


X8.337 


57.137.653 
50.914.368 
4s.67S.669 


3,180.773 


345.15s 


2.919 


5:K 

7,610,632 


X6.3S2 


II 938.869 


3.033,439 


307.977 


1,011.446 


355X 


I4 5«3 


10,500,342 


x.799.057 


295.825 


1.097 105 


3.375 


13.140 


41,691,769 


9.149,210 
8,292.041 


7,605.345 


X.543.96S 


«S5.959 


850965 


3,270 


7353.5" 


11,766 


37.499951 


1.535.763 
x.345.508 


*'7'S;' 


805.385 
735.8Q5 


I.9IX 


6.301,335 


io,34S 


32.764,062 


7.333.894 


198.384 


1.558 


5,069,031 


9.311 
8,303 


29,1 92,190 


6 053.955 


5. 144.930 


P? 


183.000 


655183 


1,430 


5.035,266 


35.755451 
33,486,295 


5.373.433 


4.5x5.456 


154.535 


%:l^ 


X.X73 


3.895 033 

3 987.393 


li% 


4.773 319 


3.935.570 


« 


130.307 


^i 


30.984 554 


4.335.603 


3.537.633 


135.242 
148.848 


499.604 


998 


3'S^5 131 
3.859.388 
4.158.670 


6.793 


20,707 581 
30,847.199 


3.953.543 


3.174.703 


777.841 


441.1x7 


x,i68 


6.805 


3.569.636 


3,810,402 


» 


138.345 


?^'^ 


X,25I 


6.456 


19,479,410 


l»i 


3.356.774 


139.017 


307.767 


1.306 


4.451504 


5.993 
5.498 


17.7i4.531 


1.973.691 


613.394 
517.456 


'^?7 


301.361 


1.461 


15.SSM36 
12,565.121 


2,127,029 


1.609.573 


98.893 


305.495 


1.353 
1,287 


3.068.523 
3,114.958 


4,676 


1.777.821 


1,371,463 


S03667 


94.037 


•X^ 


r^ 


11.204 384 


1,508,847 


1,005,180 


79.346 


1,027 


3.645 535 


9.388,400 
7.643.533 


1.141 497 


746.313 


395.X85 


77.931 


166.395 
93.706 


969 


3.778,003 


3.593 


734627 


500,450 
331384 


334x77 


60.303 
40.fa3 


1,027 


3.2<)S,227 


r4J 


6.024,297 


537.074 


305,690 


60.371 
47.480 

8,374 


882 


3.540.650 


4,027,250 


336,989 
305,538 


177.353 


X59.736 


t^aJ 


538 


X.733300 


543 


1,889,400 






70 


334.000 


70 


334.000 


120,480 








COMPANY, BALTIMORE, MD. 



Incorporated March 10. 1864. 
Commenced Business July 12. 1865. 



59.874 
48.701 


X69.474 


376 


898.935 


X43;648 


33X 


708,759 


49.601 


339 


807.045 


46.770 


X50.347 


393 


^3.695 



3.391 

3,X34 
3,063 

X.894 



5.376,367 
5,008,463 

4.794 313 
4.360.338 



1,500,111 
1.447,319 
1.371.097 
1.315.795 



1,319,408 

1,173.434 
1,118,651 
1,062,787 



380,703 
373.795 
252.446 
353.008 



330 



LIFE INSURANXE HISTORY. 



MARYLAND 



Year. 



Premiums. 



Interest 

and Other 

Income. 



Total 
Income. 



Death 
Chums 
Paid. 



Matured 

Endow- 
ments and 
Annuities. 



Surren- 
dered 
Polices. 



Dividemh 
to Policy- 
holders. 



Total 
to Policy 



1886 
1885 
1884 
1883 
1882 
l88x 
1880 

\^ 
\^ 

187s 
1874 

1873 

187a 

Z871 

X870* 

x86ot 

z868t 

I867t 

i866t 



103,876 
ioa,i6o 
107.710 
103.833 
99.933 
97.709 
93.368 

n:2i 



70.419 
60.711 
55.586 

6a,4io 
53.155 
51.419 
51.193 
47.990 
58.575 
58.379 
49.oa3 
47.774 
43.933 
39.619 
31.89a 
30.557 
20,685 
18,919 
14.938 



174.995 
163.871 
165.396 
166,333 
153088 
149,138 
144561 
140 163 
153.041 
160,735 
169,050 
184,819 
189,170 
304,088 
300,786 
192.361 

i8o!887 
140.255 



$ 


$ 


$ 


$ 


41.704 

76,786 


13.548 
11 


J8«4 
8.537 


13.456 
13.363 


52.567 


8.947 


13.337 


63093 


ir^ 


12.385 


99.748 


7.205 


16.091 


49.754 


3.815 
6,330 


8,337 


17.170 


46,707 


4.231 


16,354 


I?:r4 


327 


6,500 


18.595 


327 


12,039 


31.091 


30.503 
34.778 


327 


14.683 


3Z.966 


327 


7.715 


3Z.191 

83,086 


^:^ 


327 


7.397 
8.752 


327 


20,747 


164 


6,337 


21.517 


43.941 
38,107 




7.695 


30,771 




9,661 


31.043 


47,169 




ao,iQ5 


30.943 


51.000 




'^.^ 


16.654 


5.833 




I, no 


468 


667 




60 


.... 



9 

73.532 

103.821 

86.905 
90,130 

^x 

73.612 
54.665 
99.585 
67.479 
64,011 
84,294 

82,407 

68,8X1 

116.737 

74,152 

11.372 

7.4" 

727 



• X7 months from August x, 1869, to December 31, 1870. t Year ending August 1 



Capitei Stock, $150,000. 




CONNECTICUT GENERAL LIFE INSUR 


tSQO 


273.068 
238.X7S 


X04.532 
107.563 


377,600 


88,340 
97.387 


41.238 


X8.885 


10.727 


159.180 


1880 


345.738 


32.938 


13.385 


9.177 


IS9.W7 


1880 


2x9.509 


95083 


^.^ 


90,437 


13.564 


7.896 


119.767 


^llz 


901,005 


91.83X 
86,684 


64.103 


35.190 


XI,IXO 


7.240 


117.572 


1886 


182.592 


269,376 


74.019 


33.360 


17.263 


7.355 


131.997 


1885 


169,359 


8X.764 


351,033 


60.435 


X9,03I 


6,930 


136.330 


'55* 


i6a,3ix 


76.^1 
95580 


338943 


55.453 


11.366 


6.908 


113.514 


'Sf3 


X58.030 


253.600 


37.647 


11.815 


8.415 


148.460 


1883 


148.590 
X36i4o8 


w 


223,973 


43493 


10,479 
13.418 


9.475 


I39.XI3 


i88x 


2X3,433 


73.391 


23.345 


5.471 


115.625 


x88o 


69.033 


S:JS 


52.169 


34.796 


15.092 


. 5.836 


107.093 


in 


159.325 


69.64X 


78!694 


37.846 


66,733 

89,300 


5.256 


155.204 


JM 


73.258 
69.491 


2^.639 
308.393 


37648 
17.000 


434 
1.947 


191.794 
186.941 


1876 


259.847 


72.556 


325.403 


68.091 


33.689 


54.338 
30,927 


X3.«x 


158.438 
125.282 


187s 


^:ig 


65.791 


313.134 
337,018 




20.364 


1874 


6o,X76 


58,725 
61,145 


x,ooo 


30.976 


19.988 


iao.96x 


1873 


273238 


64.579 


337.807 




112.109 


x87a 


274.926 
258.175 


S0.793 
45.178 


325.719 






21,368 


9.394 


93.612 


X871 


303.353 


53!s^ 




1:32 


15.093 


106.100 


1870 


217.125 


37.416 


254.541 




1S.664 


70.456 


186S 


156970 


30.534 


187.S04 
162.855 


25.700 




739 


9.033 


3545 


X33.933 


29.933 


25.250 




X,XI3 


744 


37.106 


'S^ 


X01.48X 

45.045 
8,001 


20.470 


121. 951 


9.977 




145 




10, 133 


x866 


7.030 


52.675 


6,000 




810 


.... 


6.810 


x8^ 


3.142 


11.143 







.... 








Capital Stock, fioo.ooo. 



MUTUAL LIFE INSURANCE COMPANY 



1887 



432.789 
393.679 
342.534 
305.809 



94.447 
101,393 

83.249 
79.0x9 



527.236 
49^.071 
425.783 
384.828 



155.693 
139.168 
131.819 
132.244 



14.975 
9.600 
5.000 
5.000 



31.653 
44.499 



39976 
38041 
36.940 
32.315 



242. a97 
230.856 

234.394 
214.058 



LIFE INSURANCE HISTORY. 



831 



lAFE.'-CMiinueti. 



"^Tsr- 


Total 

Disburse- 

mcnts. 


NVW BUSINBSS. 


Outstanding 
Iksubamcb. 


Assets. 


LiaUlities. 

4 3f. 


Surplus. 


No. 


Amount. 


No. 


Amount. 




42.703 

38,987 
41.192 
41.187 

39.788 

45.853 
35.033 

35.p5 
43.619 
33.114 
30,907 
13.398 


116,93s 
143.231 
125.892 
131.322 
171.077 
123.024 

1371768 
119.247 
108847 
132,440 
92,859 

]^^ 

XO3.844 
152,262 

"B 

14.125 




234 

220 
157 

^ 
187 

155 

344 
201 

249 

i 


612,104 
500,065 
353.402 
495.963 
450,764 
370,183 
443.956 

390.366 



1.631 

1.594 
1,513 

1.449 
1.570 
1.400 

1U56 
X.456 
X.505 
1.344 

i:^ 

1,210 


4,107.708 
3.810! 106 

3.482.664 
3.451.520 
3.268.420 
3.364.033 

3453.100 
3.550,500 
3.795.447 
3.641.85s 
3.83^.768 

3l87ii28o 


1,303.078 
1,244.750 
1.219,859 
1,199,464 
1.157,357 
1,179.061 

1.133.094 
1,050,381 
1,003.890 
1,001,461 
979.077 

609,998 


* 

1,034.87s 

1.000,344 

989.253 

960.557 

927,206 

793.045 
767.335 

26i;3SS 
589.541 
547.333 
435.281 
352.510 


$ 
968,903 
944.4C6 
930,606 
231.907 
230.151 
251.961 
258,707 
905,012 
186,952 
908,416 
911,749 
198.468 
178.542 
150.247 
134.517 
167,017 
158.890 



ANCE COMPANY, HARTFORD. CONN. 



Incorporated Tune 22, 1865. 
Commenced Bosiness October, 1865. 



1.137 



83.606 
65.651 
68.451 
70,550 
60,530 

87.417 
66.950 

61,841 
^X 

99.9^ 

S5476 

74.511 

10X.944 

8j,29S 

68,2x5 

59.095 
5.6124 

27.524 
3.649 



252.317 


1.489 


237.5" 


1.329 


198,573 
201,178 


l!2X8 


197.648 


961 


m 


693 


741 


i8i!875 


723 
710 


170.431 


568 


991,010 


597 


261.598 


503 


248.782 


1,106 


,251.383 


203.361 
932,186 
220,899 


748 


1^.123 


1.275 


» 


1,388 


i«.687 


739 


86 901 


747 


66.246 


tM 


100 



1.834.199 


6,760 


1,503.111 


6,187 


1.373.483 


5.690 


1.431.551 


5.325 


1,258.796 


4.755 


1,019.378 
1.048,103 


t% 


1,028.470 


4,155 


991.593 


3.944 


1,014.300 


3.745 


763.091 


3.530 


777.601 


3.417 


640,509 


3382 


927.793 
1,671,346 


lUI 


i!833i675 


3.422 
3.400 


1,877.447 


3.415 


2,554.98c 


3305 


":» 


3.017 
2.536 


2.039.87A 
9,158,910 


1.7S7 


1.445 


2,141.900 


1,212 


1,320.000 


568 


268,950 


97 



8,863.155 
8,158,289 
7,669.740 
7.291778 

6.797275 

6,45646s 

6.066.637 

5.851.074 
5.696,422 

5.399.943 
S.336 750 
5.453.609 
5.965.497 

6.689.610 
6 689,474 
6.884.552 
7.177.536 
7.337.063 
6,245,554 
5.5^.785 

3,524.616 

2.695700 

1,229500 

250,450 



9.059, 
.910, 
,890 995 
.692738 
.597.744 
.525.090 
.462,369 
.403.341 
.377.452 
.343.045 
,313.537 
,349908 
.333.3" 
,333'2i7 
979,999 

.258.997 

.144.181 

[.044361 

901.432 

656,967 
542.498 
446,804 

364.477 
294.425 
119.448 



1.543.522 
1.436.987 
1.353.931 
1,275.016 

1.134.332 
1.104,343 
1.091.061 

1.060,549 
1.047.710 
1,098.678 
1,049197 

1.057.725 

'%:^ 

909.043 

677.367 
575.160 

433.123 
310.675 

193.983 
132.899 

a 9.576 



509.374 
473.799 
467.064 
417.722 
393.240 
358,578 
328,037 
208,998 
986391 
989,^ 
965.827 
321,230 
984.114 
275.492 
940855 
273.351 
949.138 
234.968 
994.065 
171,892 

223,144 
231.833 
252,821 
231.585 

a 102,872 



a Reserve calculated at 4}^ per cent. 



OF KENTUCKY. LOUISVILLE. KY. 



Incoiporated February 27, 1866. 
Commenced Business June 12, 1866. 



128.109 
123.314 

IQ3.o8o 
1X6,710 



370.399 
354.170 

336.4Z- 
330, 



,768 



1.70s 

1.734 
1,361 
1.480 



3.115.707 


6,871 


3.390.641 


6.212 


3,408,459 


S.460 


2.588.523 


5. 100 



12,267,7^9 

11,147,082 
9,657,680 
9.145.717 



1.795.023 

1,694.713 

1,472.983 
1,380,184 



1.613259 
1.443.655 
I.303.0I4 

1,216,803 



181.764 
181.058 

169,969 
163,381 



* Reserve calculated at 45^ per cent. 



333 



LIFE INSURANCE HISTORY. 



MUTUAL 



Yetf. 



Premittnu. 



Interest 

and Other 

Income. 



Tou\ 



Death 
Claims 
I-aid. 



MatWMl 

Endowi- 

ments and 

Annuities. 



Surten- 

dered 

PolicMS. 



DiTidends 

to Policy- 

holden. 



Total 
to Polkj- 



1886 
1885 
1884 
1883 
1883 
1881 
1880 
1870 
1878 
1877 
1876 

1875 
1874 
1873 
1873 
1871 
1870 
1869 



74.707 
67.974 

tn 

61.411 
71.105 
55.334 
70.589 
55077 
63.704 
53,470 
49,063 
44.981 
41.81Z 
47.068 
35.73« 
37.705 



326.764 
990,430 
259.718 
.349013 
325.919 
311.349 
x88,o>;i 
933,852 
914866 
940.191 
939.906 
357.607 
361,470 



373333 
385.239 



$ 


$ 


$ 


$ 


77.526 




37.913 


36.346 


70.398 


3.500 


43.799 


23.543 


$5'^ 


9.200 


34.743 


39.133 


83,796 


5.750 


38.838 


33.13t 


73.609 


XZ9 


« 


31.904 


67.444 
33-iw> 

33.755 


16,000 


35.197 


3.600 


« 


25513 


77.^ 




57x50 
53069 
34.934 


68.333 
67.359 




29.379 
30.785 


67i3i3 




38.559 


31.819 




46.141 


30.719 


63.285 




55.573 


» 


95.100 




37690 
30.063 


57.871 




'^Z 


I3.7SO 




573 



$ 

X4I.685 

X40.240 
131.361 

X43'49S 
X47.610 
177.133 
Z06.806 
191,978 
169,6x7 
X49.68X 
133.078 
196.428 

144.17; 
151.086 
165.058 
Ii9,x6s 
ao.403 



Capiul Stock, |6oo,ooo. f 






TRAVELERS INSURANCE COM 


X890 


1.51S.069 


535.850 


3,050,919 


566,938 


100.568 

XOX.648 

56.555 


100,369 

78.408 




767,912 


xSIS 


1.340.404 
x,9Xo.9s8 


453.346 
477.331 


imx 


360.793 
445.580 




553.312 
SW.543 


^^Z 


1.099.498 


410,005 


1.509.503 

x,490,748 


337.413 


44.377 

"1 


66.719 




^!-??i 


1886 


^.367 


437.381 


3ix,6o6 


58.357 




428.306 


'22^ 


M.398 


iitt 


Z,229,762 


967,67X 


43.215 




379.571 


'!!♦ 


Z?74i 


1.073,359 


343743 


54.880 
28.459 


50.461 




349.084 


'S3 


660,098 


331.693 
363714 


847^456 


33a,5ix 


98.92X 




989.891 


1889 


583.743 


173. S04 


48,973 


34.437 




255.913 


i8di 


507, X3I 


349.335 


756.456 


X48.195 


35511 


47.915 




221.551 


1880 


453.373 


335.938 


679.3XX 


9x7,607 


37.658 


9.353 




254.518 


\^. 


434.6»4 


197.141 


^.745 
662.5x7 


134.380 


15.517 


34.595 




I74»49a 


451.133 


1\IM 


173.402 


15.150 


43.410 




930.96a 


1877 


496.064 


706,732 


145.153 


14.650 


15.975 




175.777 


1876 


530613 


183.533 


704.136 


168.976 


5.150 


13,415 




186.541 


i87i 


538.370 


179.045 
140.583 


707.41s 


i6a,57i 


9.»So 


36374 




i8i.9« 
155.476 


1874 


533.944 




138,433 


400 


35.333 
18.143 


1.433 


1873 


471.739 


116 o38 


133.703 


150 


331 


X42,2l6 


1872 


^^ 


88.536 


499.390 
435.781 


111,344 


150 


8,007 


3.370 


121.771 
74089 


187X 


57.425 


64.:»36 




6,696 


3.157 


1870 


334.906 
385.332 


38.041 


373.947 


60,626 


1.341 


7.560 




69-437 


1869 
1868 
1867 


2|.033 
16.875 
3,083 


308,34s 


79.553 




.... 




79.553 


Ul^ 


393,1x8 
167,171 


ii^m 


.... 


.... 




Ik^ 


1866 


35.157 


37 


35.184 


3.071 


.... 


.... 




3.071 



t DiTidends on capital paid from accident department. 



Capital Stock, t 


1,000,000. 






METROPOLITAN LIFE INSUR 


1890 


9.390.927 


472.692 


9,863,619 


3.746,478 


5.044 


35.385 


• 
36.339 


3.S03.136 


X889 


8.342,945 


382,2SX 


8,735.196 


3.042,818 


2,377 


34.473 


37.847 


3.107.515 


x888 


6,8x0,110 


376,109 


7,086,2x9 


3.550.105 


2.359 


37.773 


32.922 


a.693.0!S9 


1887 


5.618,767 


210,948 


5.839.715 


3.098.936 


14.457 


38.361 


42.353 


9.194,007 



LIFE INSURANCE HISTORY. 



383 



LI F£.— OmHnucd, 



BxpiRBflet, 



Total 



Nvw 



No. 



Amouot. 



Outstanding 

luSUBANCB. 



No. 



Amoant. 



AMeto. 



LiabilitiM. 

4^. 



Surplus. 

4JS. 



% 


$ 




$ 




$ 


$ 


• 


« 
$ 


9».130 


239.81S 


1.877 


a.333.9«5 
1.610,213 


4.44a 


8.06). 107 


1.333.578 


1.140.899 
1,044,058 


102.679 
i8x,304 




216,740 


939 


3.796 


6.888.941 


1,225.362 


S*8« 


X95.012 
212.338 


s 


i.35a.434 
1,478.654 


3.514 
3.ao4 


6,459,9x4 
5.951.435 


1.150.077 
1,080,129 


9^5-595 
928,218 


X64.082 
151.911 


58x23 




638 


X.138.951 


a.774 


5."6.972 


1,048,854 


898.154 


150,700 


5a.3i3 
54.834 

1^ 


^ 


731.474 


a,470 


4.S18.647 
4.630,412 
4.913.801 


976,612 


865.514 


111,158 
W.sfia 


z6x,Q4o 


535.170 


a.3a4 


i.oo5.|37 
971.876 


!73-i55 


179.43X 


3?2 


593506 


2.250 


832803 


139.073 
138.151 


216,265 


366 


497,184 


a,2i4 
2.196 


943 391 


805,240 


52.109 


aoi.790 


336 


401.871 
615.440 


023325 
877.534 


787.336 


135.889 


58.571 


'&. 


354 


2.232 


5.365.890 


744.021 


133513 
137996 


56.454 


^l 


685.177 


a.197 


5 56 .310 
5820923 


83«;.9o6 


697.910 


57 3»7 


aoi,495 


366 


604.055 


2,166 


753005 


629,63X 


133.374 


ao8,794 


§2 


I.053-594 
x.534,629 


2.213 


6,277.302 


^^ 


581.239 


114333 


76.78a 


241.840 

192.189 

87,765 


2,177 


6,506.408 


507.896 


94.936 


80,024 


926 


z, 030,200 


1.968 


6.229.502 


577816 
626.142 


450,308 


137.418 


67.3fi« 


Sai 


1.463 


S.iia9i3 


337,965 


288.177 










1.085 


3.96x,763 









* Reserre calculated at 4}^ per cent. 



PANY. HARTFORD, CONN. 



Incorporated June 17, 1863. 
Commenced Business July, 1866. 



347.703 
365^5 
365^ 
377.776 
243.9x1 
2x3.725 
343.307 

133.136 
113733 

X08.988 

X16.90X 

X53.366 

X40.566 

135,498 

95.385 

73.685 

66.986 

6X.226 
57.760 
4P,570 
14.909 



1,1x5.615 


4.443 


3.456 
3177 


726.277 


3.393 


67X.2I7 


3.730 


593,396 


3!4^ 

3.134 


456,988 


Sf 


3,033 
1.787 


380342 


1.771 


389350 


iZ 


393.738 


338.907 
333,561 


IM 


a89.S33 


2,767 


337.601 
194.456 


r^ 


^^ 


l^s 


140.778 


3,291 


'2?;$ 


3.548 



8.899.375 
7.557.158 

7,640,124 
8,6^,109 

5.893,682 



^640, 

1.6^.1 
J.893.6 
S.643.515 
4.699.171 
4.531,375 
3,691,246 

3-305.137 
2.812,459 
3,261,964 

3.837 771 
4.xoo,396 

4.954.3§3 
5,086.265 
4.730,186 
4.058.505 
4,616.09^ 
4.613,918 

4.593.531 
5,276.748 



34.544 
33,447 
31.X17 
19.840 
18,402 
16570 
15.340 
14.378 
13.443 
12.556 
11.914 
11,353 
11.130 
IX.008 
X0.833 
xosxt 

?^36 
8.958 

7.963 

l.^ 

4.705 



53.558,920 

44978.949 
41.138.261 

37.739.893 
34.171 625 
29,806,131 
27.328.8x4 
25.005.604 
22.836.3x3 
90,511.523 
I9,C98.639 

X8.X82,132 

"!!^355 
x8.690,x83 

X9 146.391 
X9. 169.1 14 
X7.973,o63 
16.550.743 
14.575.777 
X3.18X 199 
zi.340.676 
9.559 559 
7.575 898 



10,^66.489 
9.656,148 
8 455.8X5 
7.715518 
7.023.805 

t^Ml 

5 335 853 
4.767 938 
4437.389 
4,044.811 
3704,362 
3421.737 
3.203.617 
3.908.382 

3,539.979 
3x03,178 

1.733,389 

1,354,056 

1.046.532 

740637 

494.549 

33873s 

X54,o8i 

47,044 



?,i6x,447 
373,746 
7.468,084 
6,76o.97X 
6.096.389 

4i98x.li6 
4,589,340 

4.148.735 
3.820,326 

3.537.955 
3.353,766 
3.016,893 
2.8x0.526 
3.591.030 
3,289,695 
X 974.156 
1.590 357 
1.340478 
1.053.935 
785903 
566.731 



188.147 



1.305.043 

1.383,40a 

987.731 

954 547 
937.506 



646.512 
6x9.203 
6x7.062 
506.856 
450.496 
404.844 
393.091 
317353 
340,284 
129022 
133.13a 
14.178 



ANCE COMPANY, NEW YORK. N. Y. 



Incorporated June, 1866. 
Commenced Business January, 1867. 



3.8x0,867 
3.342,722 
3.977.386 
a.467.338 



7,6x4.003 
6.450,237 
5.600.445 
4.661,345 



^91227^ 
296 

» 866423 
242 

» 880916 

7658oi 
127 



100.852.802 
92,726 883 


^3096505 
3.287 


^1849x13 


377573 


. 3.319 


91,242.946 


^x632642 


« *35.4.« 
84,059,118 


3.379 


^1345125 


135.100 


3.5^ 



23x.xx5.440 

3.i 22.486 
200.829,929 

3.986592 
176,533.143 

4.<-67 777 
147.758.387 

4272790 



10,781, X73 

8,597.469 
6,287 781 
4,907.024 



8.664.X44 
7,000,285 
5,360.758 
4.043,633 



2.Z17.029 

1,597.184 

937.033 

863.39a 



i Indufttrial buunes&. 



384 



LIFE INSURANCE HISTORY. 



METROPOLITAN 







Interest 




Death 


Matured 

Endow- 

menUaad 

Annuities. 


Sunen- 


DlTidMMh 


Total 


Year. 


Premiums. 


aod Other 


Total 


CUums 


dered 


to Policy- 


toP6lacy» 






Income. 


Income. 


Paid. 


Policies. 


holderi! 


hSSi 




$ 


$ 


$ 


$ 


$ 


$ 


$ 


$ 


1886 


4 438.096 


155.298 


4.593.394 


1.566,514 


16,328 


64.063 


30.656 


I.677.561 


1885 


3.414.524 


"4.353 


3.528,877 


1.279.645 


8,120 


80.665 


53.934 


1,428.364 


1884 


a,8ii,8i6 


104,122 


2.915.938 


970.590 


6,319 


151.921 


92.398 


i,8SX.2aB 


1883 


1.975.703 


106,916 


2,082,619 


631.639 


17.219 


*83.946 


142,455 


i.075.aW 


\m 


I.a46.5i5 


107,753 


1.354.268 


369.314 


76.206 


112.649 


6a'.449 


620.618 


I88I 


859.057 


117,082 


976.139 


268.811 


110,292 


84.127 


9,162 


4^398 


1880 


568,204 


122,351 


690,555 


aoo,8p5 


84.563 


10X.496 


492 


387.356 


1879 


432.560 


135.038 


567.598 


144.421 


73.178 


X70.175 


2.060 


389.834 


1878 


531.779 


127,956 


659.735 


198.382 


69.602 


206.360 


X.718 


476.06. 


1877 


737.130 


107,014 


96i!28o 


206.397 


9.156 


365.921 


16.XI7 


597.591 


1876 


849,921 


106,624 


210.515 


25.256 


159.118 


87.57s 


48^*464 


1875 




1,061,176 


286.556 


a,ooo 


250.269 


m 


634,339 


1874 


1,138,866 


96,775 


1,^.641 
75o!228 


230,370 
185.765 


7.700 


206.827 


528.556 


1873 


863,696 


46,087 


ix,8oo 


135 315 
78.430 
47.281 


71.217 


404.097 


187a 


^'4}, 


160.000 


5,000 


60.6J0 
42.485 


304.070 


1 871 


32.564 


641,850 


87.500 


.... 


177.266 


1870 


S 


27.559 


443.105 


56.770 


..... 


29.234 


40.424 


X96^ 


\^ 


27.882 
19,198 


274.450 
182,802 


21,130 
5.081 


---. 


22.371 
J 15.404 


S.922 


49.423 
20^5 


1867 


27.815 


16,359 


44.174 


X.482 


.... 




.... 


I^ 



* $<5*375 loans carried on account of lapsed policies in 1868. 



Capital Stock, |ioo,ooo. 



UNION CENTRAL LIFE 



1800 


2.078.284 


332.389 
270.218 


2.410.673 


^::s 


33.457 
49.849 


330.275 


37.177 


732.388 


1889 


2.068,341 


2.338.559 


295.752 


32,508 


^.577 


1888 


X.473.93I 


244.071 


1.718,002 


181.017 


27.913 


221,795 


27.215 


g940 


1887 


1.169.399 


195.554 
185.994 
160.596 


1.364-953 


X28.107 


8.209 


137.152 


isi 


1886 


943.073 


1.129.067 


ifs;^ 


X3.734 


X29.797 


a2,952 
20^830 


188s 


794.795 


955.391 
753.605 


23.372 


X00.937 


1884 


621.913 


131.692 


96.07a 


15.794 


83.C08 


19.950 
18.W 
X7.32 


M5.724 


1883 
1882 


387.946 


111,028 
107.212 


6o2,6iA 
495.158 


110.377 

78.018 


44.600 
19.500 


73390 
46.444 


347.294 
161.3M 


I88I 


291,722 


123.88a 


448!^ 


51.527 


17.133 
18,071 


49.494 


17.S 


i36.oto 


1880 


436.798 


127.413 


65.967 


X 19.500 


021.426 


^1^ 


104.6J0 


546872 


82.655 


8.191 


207.557 


23.040 


303.704 


85.6|o 


81.043 


1,300 


222.419 


25.642 


330*404 


l%l 


61.872 


596.067 
498.670 


I?:|g 




277.525 
98.313 


38.285 
38.908 


409.9>3 

X94.984 


I87S 


463,202 


47.471 


510.673 


126.743 


454 


6q,47I 


a3S476 


1874 


3781632 


71.796 


S14.259 


98.473 


303 


76,222 


35.634 


910.^ 


1873 


23714 


6oo!6i8 
296,552 


99.867 


151 


51569 


xi.aio 


183,310 


187a 
1871 


570957 
285.459 


29.661 
11.093 


28.849 


.... 


33.252 
^.157 


i»o.4^ 

4i.»i6 


1870 


137,872 


10.147 


148.019 


29.000 


.... 


6.015 


11.661 


46.696 


^^ 


94.916 


9.401 
4.033 


104.317 
44.365 


13.000 
3.000 


•••'• 


2.283 
182 


5.193 


ao.-»6 
3.182 


1867 


2,231 


39.069 




.... 


.... 


.... 





LIFE INSURANCE HISTORY. 



886 



l^lFE.'-CaHiiHuei/, 



Ex^nsc, 


Total 
Dubuite- 
mcDU. 


NVW BUS'NBSS. 


Outstanding 
Insurancb. 


Assets. 


LiabiliUes. 
4%. 


Surplus. 
4* 














$ 


No. 


Amouit. 


No. 


Amount. 








$ 




$ 


$ 


$ 


$ 


1.955.778 


3.633.339 


^640871 

^510161 

^534.136 
242 


7a.783.7ai 
150.535 


^1066875 


119.560.339 
4.604.351 


3.705.971 


3.447.848 


358,133 


X. 646. 112 


3.068,476 


57,819,912 
176,980 


^825^3 


91,234,252 
5.062.985 


2.784.954 


2.645 303 


139.651 


1. 552.755 


3,773.983 


59.505.4ai 
339,392 


^670,999 

^526,042 
5.006 


71.965.635 
5.692.785 


3.304.003 


3.I02.794 


201,209 


1.191.991 


2,267.250 


^488,198 

239 


53.50';,697 
356,805 


«?ll 


2,186,622 


1,855,148 


331.474 


731.033 


I.351.651 


^58.053 

172 


36,822 169 
315639 


^335.789 

*i9o!348 
^ 6.325 


34.679.307 

8.566,445 

17.894.620 

9.433 733 


2,003,464 


1.704.673 


298.791 


483.789 


949.181 


*»57,a58 

202 


a4.469.300 
380,358 


1.975.047 


1.695.415 


379,633 


363.604 
111.393 


750,960 
501,127 


AJI3.878 
510 


20,728,700 
399.413 
523.539 
S37.181 


^1x0.193 
6.895 


9.103.870 
11.150.349 


1.947,822 
2,022.482 


1,664.172 
Z.723.P32 


383.650 
300,450 


l&s 


613.457 
778,174 


984 


1,175,531 


zo,oi6 


13.903.156 
16,536.814 


2,084,982 


1.844.496 
1,884,815 


340,486 


2,405 


2,391.442 


11.950 


3,087,582 


ao3,767 


t^:^i 


69I.669 


4.116 


5,217,032 


17.508 


24.223,764 


3,145.1^ 


1,998,632 


« 


860,600 


12,242 


6.836.446 


17.441 


25,107087 


1.870,434 


^s.^ 


797.093 
W7.937 
487.509 


11,870.435 


'5-973 

18.598 


26,383,865 
ao.546.341 


1.848,080 
1.589.738 


1,768,913 
1.509. 168 


119 801 


1671778 


8.642 


11,556,663 


15.345 


1.423.403 


1.303,602 


345.044 
350884 


7,602 


8,313,930 


11.290 


14.945.983 


• 1,102,707 


1.022.367 


80.340 


224.456 


9,113 


11.078.199 


9.331 


13-335 108 
6.878.139 


833.914 


746,461 


87.453 


112,774 


162,197 


2.930 


4.856.839 


3.560 


594.505 


393,684 


30I.82X 


^m 


102.730 
37.367 


1.447 
403 


4.340,900 
979.404 


'•^ 


4.077,400 
809,400 


400.047 
347.301 


'2?:^s 


i8i!5i6 



S Industrial busin 



INSURANCE COMPANY. CINCINNATI, O. 



Incorporated March 28, 1867. 
Commenced Biusmess 1867. 



719.718 
669.481 
550349 
496,346 
415.354 
3Q5.945 
351,340 

331.914 
218,330 
154,886 
133.619 

90.137 
113.346 
129.766 
135.085 
133.654 
133.745 

97.757 

"^^ 

61.459 
46.265 

24543 
21.643 



1,452.106 


11.573 


1.320.058 

1,008.189 


10,^ 


7i6!969 
569.7^ 


7.473 
6,331 

4.067 


479^208 


3.P39 


3,957 


379.658 


3.637 


290.968 


1.672 


355.045 


1,226 


393842 


763 


443.750 
539.269 


910 


1,227 


330.069 


1,522 


369.230 
344.387 


1.550 


3.019 


281,067 


3,190 


393.997 


3.645 


108.914 


3.179 


108.155 


1.471 


66,741 


1,021 


39.677 


559 


23.483 


475 



31.111,955 


39.615 


19.638.595 


34.614 


15.053,349 


20.110 


16,626 


11,626.32a 


13.343 


7,233.331 
5,341,880 


10,571 
8.632 


5.156,204 


7,679 


4.403.555 
2,511.648 


6,743 


5.449 
4,801 


2.272.708 


1,350.408 
1.684,412 


4.276 
4.619 


2,009,167 


5.104 


3.760853 


5,809 
6.215 


3.975.791 


5,610,110 


6.145 


6,§^io8o 


5,626 
5. 126 


6,116.652 


3933 
2,038 


3.767,575 
2.022.498 


1.429 


1.206.142 


791 


1,228.850 


405 



50,055.701 
41.643,121 
33.870,922 
27,734.533 
33.539.569 
17.334 913 
14.053.261 
12,380 0x8 
11.068,311 
8.975.330 
8,345.649 

7.466 120 
8,184.403 

9.303.334 
10.866.185 
11.733 683 
11,523,318 
10.712,408 
9,715.860 
7.882,632 

4.607.349 
2.861,303 

1.873.097 
1.036,650 



6,614 487 
5575.497 

3.768,585 
3.152.368 

2,200397 

1.956.010 

1,807,069 

1.679.317 

1,588.466 

1,498,096 

1,423.577 

1341.399 

1,290.382 

1,144.290 

1,000,099 

870,212 

730.583 

465.110 

275193 

221.824 

161,579 
133.399 



6,334,658 
5.196.613 


.» 


4.308,836 


312,162 


3.485.131 
31388,855 


^454 
336.771 
343.050 


2,028,891 


337.506 


1.685 205 


371.405 


1.567960 
1.418.741 


M 


1.470.459 


118.007 


1.403.340 


94.756 
48.540 


1.375.037 


1,206.058 


135.341 



LIFE INSURANCE HISTORY. 



Capital Stock, |ioo,ooo. 



EQUITABLE LIFE INSURANCE COMPANY 







Interest 




Death 


Matured 

Endow- 

menu and 

Annuities. 


Surren- 


Dividends 


Toul 


Year. 


Premiums. 


and Other 


Total 


Claims 




10 Policy- 


to Polic>- 






Income. 




^aid. 


Policies. 


holders. 


holdesK 




? 


$ 


$ 


$ 


$ 


$ 


$ 


% 


1890 


100.554 


46,419 


I53.7SS 
143.718 

137.573 
no, 88a 


34.489 
8.225 

31,343 


17.930 


9.261 


10.7S0 


6m3o 


\m 


95.330 
81.154 


26,077 
6.92Z 


9.333 
10.083 


9.797 
9.460 


53^ 

47.807 


1887 


70.461 


40.431 


35 001 


3.9" 


9075 




57.386 


'5Z^ 


S*'^2 


36.137 


100.754 


6.376 


3.374 


I5i348 
15.793 


9.0^ 


25.156 


1885 

i88i 




36.165 
34.880 


98.634 
93.536 


18.056 


fX 


9.810 


40.199 
49.540 


*S!3 


33.589 


95.383 
91.813 


16.312 


4.150 


15.16X 


rtJ? 


45.07a 


1882 


33.937 


12.501 


4.995 


4.856 


31.301 


1881 


54.774 


34.938 


13.371 


700 


10.373 


8,357 


33.«oi 


1880 


55.363 


34.4^ 


89.806 


14.733 


2,000 


IZ.061 


7.667 


33618 


\^. 


55.623 


89.101 
87.008 


0,720 


3.856 
3.648 


13.143 
15.598 




1S77 


29.318 


96.641 


4.380 




16.^68 


9.040 


30,188 


1876 


26.173 


IOS.036 


8,290 




8,605 


10.408 


27.303 


1875 


68.945 


31.495 


M 


13.617 




5.919 


9.487 


a9.«3 


1874 


61,310 


19774 


1 1.083 




14.905 
6.533 


9.015 


35.003 


1873 


57.304 
45.813 
38313 


15.440 


73.744 
57.760 


5.733 




7.779 


ao.oa4 


1879 


".947 


2.000 




759 


6,299 


9.051 


1871 


9.379 


47692 


6,000 




.... 


4.970 


10.970 


1870 


30.455 


55" 


35966 


3.500 




.... 


3.311 


6,7" 


1869 


33.010 


4<543 


37.553 


1.500 




.... 


X.226 


«.7«» 


i868* 


39,870 


3.334 


33.194 








809 


809 



« Feb. 6, 1867, to Dec 31, 1868. 



Capital Stock, $200,000. 



MICHIGAN MUTUAL LIFE INSUR 



Z890 


747.196 


149.48a 


896,678 


i66.aod 
116.168 


71.101 
85.135 


8,387 


65.561 


^ti 


ills 


.676,319 


133.74s 


810,064 


17.937 


59.116 


619,550 


113SP3 
1^,957 


733.053 


110,865 


57,707 


35.738 


54.319 


248.515 


1887 


591.^6 


700.593 


142.802 


44.730 
54.985 


19313 
19,128 


49.543 
4X.812 


a56.#7 


1886 


513.067 


89.18a 


631,249 


77.587 


193.SW 
197.860 


1885 


444.050 


87,973 


533.022 


121,063 


31,974 


16.774 
14.831 


38.049 


1884 


360.877 


S'^ 


438.577 
W.117 


83.991 


35.361 


33531 


166.714 


1883 


330.635 


66.482 


93.548 


1347a 


8,147 


30.23a 


X45.399 


i88a 


378,294 


67.938 


346.2^ 


%.^ 


19,827 


10,000 


» 


185.707 


188X 


839.747 




308.976 


11.486 


14.717 


130.055 
139.94S 
X5«.947 
904.183 


1880 


214.103 


67,567 


281,670 


till 


19.008 


S.34S 


19.973 


\n 


335934 
350.764 


58,819 


299.603 


21.002 
20.243 


22.041 


1877 


308.262 


63,60a 


18.953 


94.370 


aao.og6 


1876 


356,149 


44820 


« 


115.^30 
68.8^ 


13.102 


41.838 


34.661 


a35.93S 


187s 


355.194 


41.685 


2.269 


26.018 


I46.64X 


1874 


315.970 


39.304 


345374 


53.^39 


3.003 


34.343 


X16.602 


1873 


fliiJfs 


?l:g 

13.870 


356.354 


30,121 


87a 


20.297 


18.457 


69.747 


187a 


182.511 


23,051 




16.090 


X4.369 


53^3 


1871 


S.939 

54.188 


145.902 
98.513 


11'^ 




Z0.006 


12.089 


44.058 


1870 


9.574 




3.837 


6,08a 


"i#i 


1869 


3.394 


56.582 


3.500 




779 


593 



Capital Stock, fioo.ooo. 



PACIFIC MUTUAL LIFE INSURANCE 



1890 


454.515 
416 716 


123.267 


577.782 


150,381 


80.660 


» 


34.555 


ml^ 


1889 


133158 


549.874 


111.499 


57181 


34408 


1888 


385.198 


117 626 


502.824 


114.370 


30.562 


49.533 


33.509 


sod. 974 


1887 


350903 
346.824 


119.220 


470123 


118,142 


26158 


47.435 


35.773 


337508 


1886 


80.650 


437.474 


100.949 


11.301 


59.199 


39.744 


aoi.X93 



LIFE INSURANCE HISTORY. 



337 



OF IOWA. DES MOINES, lA, 



Incorporated January 25, 1867. 
Commenced Business March, 1867. 



E^^ojc., 


Total 
Dbbune. 
ments. 


Nbw Business. 


Outstanding 
Imsxtsancb. 


Assets. 


Liabilities. 


Surplus. 
4%- 
















No. 


Amount. 


No. 


Amount. 








$ 


$ 




$ 




$ 


$ 


$ 


$ 


39.196 


ioi,6a6 


356 


634.667 


im 


3.155.690 


765.319 


541.975 


^;I5J 


IS 


^^ 


403 


775.451 


2.933.435 


ii 


506,185 


301 


645.542 


1.877 


2,520,416 


476,712 


187.944 


84.105 


198 


371.912 


1.738 


2,2(^,592 
2,138,038 


442.637 


176.171 


39.307 


54.363 
67.575 


233 


442.758 


1.719 


594.929 
548.453 
513.150 

4^;to6 


435.04s 


159.884 


27.376 
49.83a 


201 


405.151 


1,650 


i!8i6'87o 


403.124 


145.329 


89.372 


147 


191,074 




372.150 


141.006 


39.788 


85.ao5 
71.089 


^ 


362.590 
374.987 
348,157 


1,873,176 
2,098.335 


347.094 
342,234 


161. 701 
161.057 


40.93 


73.569 


257 


J:^ 


1.936.772 
1,870,313 


319.398 


157.428 


33.676 


03.009 


305 


411.462 


457.295 
432.408 


295.700 


160)890 


33.906 


2^1 


445.431 


1.531 


1.746,400 


271.518 


33.336 


55.944 


252.844 


1.294 


1.575.506 


406.976 


249.099 
341.981 


157.877 


33.306 
32.581 


^^1S^ 


^ 


S 


1.474 


1.955.644 


380.514 
340,644 


138.533 


59.884 


468 


1,711 


2.360,707 


333,717 


116.917 

101.853 

97.721 

« 83.545 


33.366 
19,100 


52.389 
44.1" 


453 
251 


664.969 


1,5" 
i.i86 


i,'60o.73O 


291,376 
252,586 


^^ 


30.245 

xo,88i 

i.86i 


40.369 
28.932 


^ 


1.080 
846 


1,519,307 
1,350.308 


218,099 
179.975 


« 134.554 
<z 96,036 


19.831 


254 




1.013.357 


127,480 


2M 


7.005 


13.716 


271 




.... 




94.187 


« 38,987 
« 32,551 


7.aS3 
zz.oeo 


x?:S^ 


J^ 


« 


.... 


546,465 
427.300 


70,836 
51.946 


« 31.839 
« 19.395 



* Reserve calculated at 4M per cent. 



ANCE COMPANY. DETROIT. MICH. 



Incorporated November 6. 1867. 
Commenced Business November 12. 1867. 



355.568 

227595 
aoa.334 
318.094 
flo6,543 
170424 
131.309 
X3I.037 

^M 

95.551 

91.347 

103,706 

118.416 

111.461 

134,137 

133484 

29.356 



566.831 
505.851 
450.753 
474.481 

^^ 

308.442 
338,900 

235.499 
350.194 
307.889 
338.452 
337399 

148,739 

116,305 

101,680 

68.845 

34.228 



3,611 

2.504 
3,337 

3.551 
a.789 
2.094 
1.472 
1.295 
1,337 
1,114 

m 

1.139 
1.633 

3,030 



5.347.593 
4,933.604 
4.180,109 
5.175.723 
5,700,820 

4.233.619 
3.706,581 
3.533,286 
2.247.931 
3.136,160 
1,418,015 
I,403.I3A 

3,183,376 

3.574.911 

4,118,000 



33,833,731 
20,373,156 

Ig.009.380 

18,080,156 

16.551923 

13,688.330 
11,728,104 
10,500,841 

r» 

8.344.315 
8.744.977 
9.839.302 

11.641.566 
13,670.313 
13,318.816 
10,340.3^ 
7,819,383 
5,359.862 
4.295.596 

3.02A,684 
1.938.300 



2,976,469 
2.589.257 
2,265.305 

1.953.115 
1,720,390 
1.499.608 
1.343.803 
1.331.879 

1.117.323 
1.071.707 
1.014.56^ 
925.008 
904.133 
917.843 
910,778 
695.025 
566,134 
441,043 
332,074 
243.070 
193.360 



408,473 
373.904 
321.924 
269.304 
360,193 
358.140 

254.114 
381,111 
353,833 
371,110 
309.957 
360,040 
338,688 
336,335 
243.372 
94.466 

87.851 



* Reserve calculated at 4M per cent. 



Incorporated January 2. 1868; Commenced Business April. 1868. 
COMPANY. SAN FRANCISCO, CAL. 



X47.807 


483.087 


1,174 


3.378,079 
3,411,688 


4.526 


11,719.386 


A 3,339.700 
A 3,111,318 


A 8.068,9^3 


A 170,766 


II6.6SS 


3»4.7«9 


913 


4.070 


10,681,100 


timn 


A 166,958 


S;^ 


|» 


732 


3,334.850 


3.657 


9.672.888 
8.439.794 


A 1,954.448 


A 147,600 


523 


1,363,009 


3.313 


A 1.673,138 
A 1,485,817 


A 1.578,105 


iK 


78.370 


279.563 


504 


1,376,689 


3.185 


8.073,900 


A 1,399.667 



A Includes accidcBt department. 



838 



LIFE INSURANCE HISTORV. 



PACIFIC MUTUAL 







Interest 




Death 


Matured 

Endow- 

menu and 

Annuities. 


Surren- 


Dividends 


Total 


Year. 


Premiunu. 


and Other 


Total 


Claims 


dered 


to Policy. 


toPoticT- 






Income. 


Income. 


Paid. 


Policies. 


holdeis. 


hoMeiJ 




$ 


$ 


$ 


$ 


$ 


$ 


$ 


$ 


1885 


339.573 


67,373 


406.8^ 


X48.923 


35.331 


^S 


29.794 


269*377 


'S^ 


^'X 


65.989 


393.185 


103.469 


66)974 


29.153 


243^36 


1883 


75.087 


399.375 


iia,5g 


47.089 


30.M 


247.29X 


z883 
1881 


313.477 
375.850 


63.000 
63.59X 


375.477 
339.44X 


99.236 
zoz,994 
75858 
70.788 


'^^ 


52.893 


90.583 
20.377 


^SS^ 


1880 


303.436 


73.9x3 


375.348 


70.694 
X33.7^ 


X5.67a 


299.173 


Jl?l 


316.774 


77.7x6 


394.490 
389.940 


76913 


10.848 


29>.3a6 


303.0x9 


86,9ai 


134,918 


III.I36 


87.00a 


9.X73 


^i:^ 


X877 


333.480 


97.079 


^30»559 


XX8.793 


3.000 


X3X.X35 


X3,545 


T876 


370407 


73.681 


XX8.754 




107.950 


18.250 


244.954 

X3MX7 


1875 


237.165 


7X.333 


86.4x4 




30,0x5 


X9.990 


1874 


313.33s 


70.359 


383.494 


» 




38.536 


22.099 


g§ 


1873 


384.943 


67.328 


352,27X 
380.331 




26.^7 


33.^ 


1873 


300,357 


80.064 
65,966 


95.700 




42.776 


90,000 


1871 


364.918 


430.X84 


47.500 




8,013 




55-5X3 


X87D 


377.678 


35.X15 


4x2.793 


36,^56 




2.570 




^1^ 


302.604 


3Z,6^ 

13.3x6 


334.369 


36.494 








a6^ 


124.354 


X37.670 


S.000 








Sooo 



Capital Stock, |ioo,ooo. 






VERMONT LIFE INSURANCE 


1800 


86.606 


90,OZ8 


zo6,684 


37,308 


9.760 


25.495 
8.407 
8,900 


1.314 


63.677 


^ 


K 


S:^ 


S:Si 


.'I:S5 


4,018 


1,980 
3,990 


3X.8a9 
27.003 


1887 


52.537 


z8,oi7 


70.554 


X5.X07 


X33 


5.657 


ilS 


93.071 


1886 


48.006 
5x.x8z 


18.346 


66.34a 


X4.650 


7.734 


7.040 


32,040 


1885 


15.097 


66,ao8 


XS.500 
8.000 


1,000 


8.490 


3.011 


98,001 


Z884 


43.870 


z6,o7Z 


58.94X 


2.500 


f:5§ 


9,8^ 


17.4x7 


1883 


41,340 


X9,9Z7 


54.X57 
:3.9XZ 
38,106 


16.613 


.... 


2,938 




1883 
z88z 


34.6z8 
36,150 


13,393 
XX.956 


4.395 
10.516 


3.000 


f:2S 


l^ 


z88o 


34.57X 


10,438 


45.009 


1.986 


523 


1,240 


2.936 


^n 


33.450 


XO.SX7 


33.967 


z,ooo 


1.400 


X.Sf 


3,6z3 


5.486 


» 


10.703 


39.927 
38.X71 


6.000 




3.1x5 


10.796 


^5?2 


9.435 


X.034 


.... 


4*263 


3.604 


7.900 


X876 


24.552 


9.479 


34.031 
35.589 


6,000 


.... 


87 


3!346 


8.53» 


X875 


25.3x3 


10,976 


x,5oo 


.... 


706 


m 


Z874 
1873 


36.Z3A 
35.438 


8.573 
7.897 


34.697 
33.335 


a,ooo 
3.000 


9,000 


938 


3,098 
x.69a 


1873 


17.725 


7.046 


24.77X 
31.380 






.... 


x,oo9 


1.009 


Z87Z 


X6.OO7 


5.373 


1,000 


• •• • 


73 


.... 


1.07a 


Z870 


Z3,sa6 


3.290 


X5.516 




.... 


476 


.... 


476 


1869 


6,307 


3,ozz 


9.2x8 




.... 


64 


.... 


64 



Incorporated 1870. 



MUTUAL LIFE INSURANCE 



1890 


58.198 


i:l?l 


66.153 


17.413 


300 


«» 


L 
16,053 


34.X77 
96.057 


1889 


54.95X 


5W 


10.365 
X5.398 


300 


1.809 


13.583 


z888 


53.445 
53.178 


4.953 


1,025 


1.948 


14.737 


33.108 


*52Z 


5.769 


57.947 


10,900 


1.843 


3.7x3 


X3.6fc 


29436 


z886 


53.796 


4.171 


17.538 




3.833 


X4.259 


35.610 


'l|5 


53.743 


4.890 


58.633 


X4.573 


3,3D0 


4.201 


X4.S06 


35-579 


'S^ 


51.054 


7.063 


58,117 


X 1)336 


1,000 


3.599 


X4,219 


34.2^ 


Z883 

z8^ 


50,145 
47.397 


3i94 


55.45X 
5x,305 


4300 
3.700 


^;l^ 


19.883 

10,060 


3;^ 


z88z 


41.394 


l-l^ 


47.050 


5.998 
13.089 


1,000 


1.416 


tz 


x<.»74 


z88o 


35.474 


40.036 


.... 


4.442 


24.554 



L Sick benefits. 



LIFE INSURANCE HISTORY. 



339 



lAY^E^Qmtinued, 



"^rr 


ToUl 
Dttbnne. 
ments. 


Nvw BusiMiss. 


Outstanding 
Imsvrancb. 


AMett. 


Liabilities. 
4 3f. 


Surplus. 




No. 


Amount. 


No. 


Amount. 


$ 

79.543 
87,173 
85.644 
93.369 
199.38X 

X90,983 

138.036 

XX9,947 

XX0.653 
93.507 

106,156 

90Q.I07 

108,736 

104.491 
XX0.853 

40,384 


348,930 
330.609 

Sb9,9i6 
337.837 
349.455 
419.3^ 
444.466 
375.116 
337.461 
343.573 
334.461 
265x40 
96x590 
157.698 
133.117 
137.347 
45.384 


566 
350 
437 

'^ 

X.013 
1.941 
1.703 
1.047 

8x4 

X,l69 

530 


$ 
x,4x6,999 
971.380 
x,98i.4x6 
1.968,115 
1.480.795 
9.305.6OX 

3.751.057 
3.804.049 
4.913.346 
4.470.197 
9.046.530 
3,017.799 

1.164.417 
X. 731, 661 
9099,004 
3.598,617 
3.773.013 

x,84X,400 


3.070 
3.003 

9.789 
9.867 
3,937 

9,^ 
3.069 
3.645 
3.511 
3.019 

- 3,437 
3.303 

1.969 

1.469 

514 


$ 
7.835.487 
7.883.XS5 

7!569'.464 

7!a68;i77 
7.809.959 
7.925.110 
8.359147 
8,334.383 
7.309981 
6,553.874 

6,080,976 

W^ 

x.899,000 


^1.335.755 
X.941.937 
x,X40,470 

•903.373 
x.179.385 
1.177.701 

I [0691638 

1,095,973 

876.364 

844.399 

768,533 

537.659 
373057 

327.704 


$ 

41.37^.664 

1,180.382 

I o8<^,38o 
i g53,7i8 
b 861,010 
A 638.337 
b S65.014 
^941.169 
* 989 151 
Avi6,75i 
J 77^464 

^702,493 
^608,683 
M87.438 
{398.549 


^53.091 
60.955 

6 119.895 
^xoo,369 

b 108.559 
^104.890 
^66,655 
^66.1^ 
^111.556 
^170,670 
^X39.xxo 
b 1x5.063 

^2OX,094 



b Reserre calculated at 4% per cent. • $335,000 guarantee notes retired, h Includes Accident Department. 



COMPANY, BURLINGTON, VT. 



Incorporated October 28, 1868. 
Commenced Business January i, 1869. 



43.87a 
50.6x3 

39990 
34.<»3 
2X.431 
90.405 
93,989 
19.273 
».933 
19.153 

11:^ 

16,547 
19.090 

19.007 

15.169 
16.709 

10,455 

7.0I3 

8.158 
6.X08 
5.069 



107.549 


1.439 


89.44a 


2.390 


66,993 




57.094 

$i:496 


381 


^^ 


418 


34.301 


317 


34.130 
38.533 


310 


'^ 


33.854 


90,900 


115 

3XX 


37.539 


X09 


19.721 


87 


33.035 


XIX 


4.147 

8,09I 


I4X 


159 


9,230 


169 


6.58^ 


157 


5.136 


903 



737.599 


3.|36 


X,934,049 


881,106 


9 678 


457.006 


1.571 


37X.914 


i.ao5 


363.285 


1.177 


290.997 


X,l69 


444.347 


1.099 


362.913 


871 


397.073 


7^ 


X39.X0S 


103.907 


566 


X99.000 
487884 




155.744 


SIS 


164,700 


484 


900.370 
288,121 


'M 


979.100 
318,860 


418 


915.500 


969 


985,000 


x8i 



9,939.968 
9,474,798 
1.996.358 
1.591.656 
1,499,095 
1,407,149 
1.434.426 
1.385.402 
1.153.550 

x,048,9X3 
919.961 
959.007 
x,o6x.50o 
1,066,000 
940.000 
993.000 
007,000 
86/,ooo 
722,000 
590.860 
391,000 
958,000 



387,853 
396.473 
356,567 
330.890 
311.801 
396,135 
374.945 
356,931 

339.787 
328,383 

331,495 
315.411 
306,353 
193,900 

176,436 
16^.059 
150,709 
139.208 
125.067 

64.039 
57.762 



315.^ 

976.866 

249.971 

917.231 
901,150 

187.394 
165.365 
144.765 
135.555 

129.906 
111.598 
105.274 

71.532 
57.091 



14.837 



73.531 

70,910 

79.701 

80.9X9 

94.570 

94.985 

87.651 

90,866 

95.023 

93,898 

99.289 

103,8X3 

101.079 

XO9.Z50 

98,834 

104904 

xo3,568 



49,9X9 



COMPANY OF BALTIMORE, MD. 



Commenced Business 1870. 



18.456 
97,169 


52.633 
53.226 


/1.035 


179.354 


/5.682 


1.X66.431 


178,791 


A 


A 
91,040 


/890 


156.170 


y 5.362 


I,X99,250 


164.549 


144.507 


30049 
18,982 


i6,|09 
15.897 


49.517 


/loS 


'^^ 


/5.007 


1.095590 


154.091 


135.809 


45.333 


/ 5.183 


x.093.626 

i,osl.893 


143.993 


197.798 


16.265 
14.698 


X6.694 


52,304 


/96s 
/1.351 


150,113 


/4.670 


130.873 


116,944 


16,873 


53.452 


177.408 


/4.680 


1,063,289 


"saz 


xxt,oi7 


13974 


15.380 
15.844 


49.639 


'f\;^ 


173.604 


/3.973 


1.026.565 


109. X26 


12,734 


45.508 


180,539 


/3.691 


1,010.498 


115.743 
104.738 


X09,028 


13.715 


13.087 


41.539 
g.361 


/•641 
/1004 


'fit 


898.001 
90X.587 


0A.286 
§8.168 


10,452 
7.073 


ZI.709 


36,356 


/1.437 




/a.3P3 


789,911 


75.624 


9.033 



A ResetYe calculated at 43^ per cent. /" Includes infantile buttness. 



340 



LIFE INSURANCE HISTORY. 



MUTUAL LIFE. 



You-. 


Premiunu. 


Interest 

and Other 

Income. 


Total 
Income. 


Death 

Claims 
Paid. 


Matured 

Endow- 

menu and 

Annuities. 


Surren- 
dered 
Policies. 


Dividends 
to Policy- 
holders. 


Totnl 

to PoiMTf- 

holdeis. 


^^ 

1875 
1874 
1873 
1872 
X871 


3a.78s 

38.391 

25.340 
24.491 
40.055 


h 

18,835 
909 

1,727 


39.43a 
38.057 
S5.6II 
39.300 

37,067 
24.491 


11,287 
11.096 

8,140 

3.650 
3.X00 
1,000 


$ 


913 


7.966 
7.723 

'8.159 
"i26 


23.895 
23.467 
22.223 
X7.2II 

3.776 
4625 

1,000 



L Sick benefits. 



Capital Stock « $100,000. 



LIFE INSURANCE COMPANY OF 



1890 
1889 



1887 
x886 
1885 
X884 
1883 
Z882 
z88i 
1880 
1879 



234.547 
151.571 
127,049 
99.556 



71,180 

84.446 

103,948 
105.408 



70,362 


45.006 

35.4S3 
39.906 


71.947 


53.229 


70,09s 
48,702 


^n 


53.724 


26,577 


52.904 


20,626 



305.727 

236,017 

230.997 
204.964 

176,249 

13s. 176 

219.398 

77,348 

80,301 

73.530 



88.795 


2,800 


6,403 


2,867 


61.697 


1,000 


3.014 


2,262 


39.291 


.... 


21,9x8 


1.759 


M 


200 


24,169 


1,972 


.... 


21,655 
18,698 


2,778 


39.64X 




3.144 


32.865 


.... 


8,354 


5.944 


36.189 


1,000 


22.364 


3.647 


^i"*§7 


1,089 


'X 


18,263 


13.089 


9,780 


13.021 
38.108 




14.291 
8.544 


l^ 



100.865 

^.973 
62.968 

78.051 
6X.483 
47.163 

03,100 

65.488 

45.ai5 
31.756 
48.448 



Incorporated 1759. 



PRESBYTERIAN MINISTERS 



X887 

1886 

1885 

X884 

1883 

Z882 

x88x. 

x88o 

\n 

X877 
1876 

1875 




3.400 

1.413 
2,223 



7,523 


zo,o6o 




7.340 


a,38x 




5.376 


4.199 




l^ 


3.669 

2,82X 




S.6« 


1.577 


37a 


S.7S9 


800 


13.261 


6,135 


665 




4.897 


50 




f^ 


2,309 
117 




3.837 






3.349 


25 




3.449 








a8.868 
86,230 

3Z.2I9 

a6,733 
ao.2S9 
"6.427 
aa.053 
a7.652 
18.556 
11.418 
9.045 

2X,60O 

3.986 

7.^ 
4.7»7 
5.672 



Capital Stock, fioo.ooo. 



PROVIDENT SAVINGS LIFE 



XWQ 
X887 



1.512,591 

1,343.630 

1.145.153 

989.417 



30.8X7 
X7.X84 

18,47a 
12,897 




706,958 

550,xo4 
40X.232 
321,407 



XOO 

xoo 

XOO 



1.49a 

2.078 
4.6a9 
3.039 



346.539 
368.98a 



1.0SS079 
924.746 

693.428 



LIFE INSURANCE HISTORY, 



341 



BALTIMORE— C^/iVftt/dT. 



Ex^njc., 


Total 
Dttbnne. 

BMntS* 


M«w Business. 


Outstanding 
Imsubamcb. 


Anets. 


LiabilitiM. 


Surplus. 




No. 


Amount. 


No. 


AoMont. 


XO.9X8 
xx,36j 

"14ISX8 
X4.S95 
a3.849 


34.8x3 
34.83X 
33.989 
30.039 

'x8,334 
19.320 

34.849 


3. 

'"353 

""66a 

558 


123.117 
143.965 
125.201 

Sfti',i87 

53X,000 


/X.469 
x,o84 

X.X03 
558 


7^.568 

^^ 
897.539 

■86V,S68 
521.000 


$ 

80,659 
75.875 

U3'8o8 

XIO,203 


"5X.349 
37.W7 
xx,357 


*1^ 
7.670 

7.543 

X5.556 

82,517 



y Includes infaatile insurance. 



A Reserve calculated at 4% P«r cent. 



VIRGINIA, RICHMOND. VA. 



Incorporated 187 1. 
Commenced Business, Z871. 



X35.356 

1Z4.710 

X30.97X 
1x0,944 
49.734 
17.790 
X8.942 
X9.945 
17.338 
ai.753 
19,800 
29,610 



236,221 
182,683 

X93.939 

X97.874 

X37,775 

79.279 

66,105 

82.826 
66.967 

§;^8 



* 37.0x5 


''^"^^ 


^32,927 


. 4x5 


X.570 


^26.986 


b 3.3x4.876 


^21.271 


388 


b 2,619,276 


x,687 


* 27,013 


*X5.i93 


400 


500,000 
c 3,zi9.276 


X.635 
^X4.<g8 


x,647.S4X 


3.695 


40a 


351,390 


3.350 


575 


3XX.7Q4 


3,454 


X.175 


387.221 


3.530 


7x3 
740 


783.566 
875^ 


X.693 


8zo 


335.765 


1.344 


98 


140,000 


905 



3.589,790 

2,669,125 
2,546.280 
3,088,346 

21988.346 

3.937.397 
3.334.538 
2.235,684 
3.349.443 
2,315.161 

2,432,676 

x.6a4.393 
1,670.705 
1,750,000 



5x6,017 
474.335 



A 

380,574 
352.868 

348.09X 

306.468 
314, Z08 
399858 
2817x5 
367,017 
386,787 
X8Z.432 
X73.44X 
160,057 



A 

135.443 
121,357 

X37,377 

X3X.940 
X35.343 
3x4,448 
334.7x0 
234.261 
229.608 
334.700 
250,061 
282,047 



b InduBtrial policies. e Includes industrial poBdes. A Reserve calculated at 4^ per cent. 



FUND. PHILADELPHIA. PA. 



Commenced Business 1759.* 



16,006 
8.015 
6.7^ 
6,716 
3.80s 
2,316 
3.138 

2.434 
3.062 

i;^ 
8.518 
9.801 
6.750 
2,685 



4I.6S8 


360 


4».a36 


87 


36.975 


1 

16 


30,232 
34.309 


29.700 
20,980 


30 
33 


X4.48O 


ao 


X2,4a8 


33 


38.388 


44 


X2,50J 

X7.038 


74 


XI.537 


8,357 


20 



476,913 


898 


X45.327 


^^ 


XX0.335 
1x1,046 


^ 


498 


XPS.7X5 


453 


54,385 


4x3 


» 


^ 


35.600 




197)323 


^ 


309.800 


406 
25a 


55.500 


147 



x,455.868 
x,030,52i 
029,142 
863.995 
795.530 
731.653 
721.0x5 

713.329 
738,770 
733910 

8S8!i66 
486,764 
189.455 





A 


A 


454.506 


g 346,954 


^xo7.553 


379.435 


^383.733 


^95.703 
X03.874 


360,430 




333.386 


^8,460 


103,926 


3x3.004 


3x3.193 


99.81X 


394.281 


201.811 


92.470 


273063 


203931 


69.13X 


372,465 


x8o,3a4 
X73,690 
163.501 


92.141 


364.994 
347.304 


« 


333.733 


X5X.430 
X27.585 


73303 
57.6X3 


185, X97 


165,670 


119.049 


46,621 


X46,i23 


90.906 


55.3X7 


X39,5S3 
XX4.385 


66!?^ 


53.346 
48.107 



e By an amendment to it^ charter in 1875 the company was allowed to transact a general life insurance business. 
A Retenre calaiiat*^ at 4^ per cent. g Resenre at 4 per cent. 

ASSURANCE SOCIETY, NEW YORK, N. Y. 



Organized February 25. 1875. 
Commenced Business August 10, 



1875. 



3^,ao6 
309.8za 
329,279 
333.857 



z,40X,28| 

x.394.558 

z,oix,9si 

9x7.385 



4.84X 
54^ 
3.387 
4.033 



x6,i74.330 
19,172.197 

12,002,300 
15.7X7,200 



X7.3X7 

XS.753 

X3.853 
11.564 



65.x3x.S09 
60.954.208 
51.012,286 
46.855.56x 



805.735 
676.540 
553.979 
368.102 



450,907 
346.747 
2x1.682 

X94.735 



339.793 
34X,397 
X73.?^ 



842 



LIFE INSURANCE HISTORY. 



PROVIDENT SAV 







Interest 




Death 


Matured 

Endow- 

meats and 

Annuities. 


Surren- 


DiWdends 


Total 


You-. 


Premiums. 


and Other 


Total 


Claims 


dered 


to Policy- 


V* Policy 






Income. 


Income. 


Paid. 


Policies. 


holden. 


hoU^ 


1886 


6^1.826 


8,631 


657.457 


903,2x8 


$ 


$ 


200.285 


$ 
410.859 


'«5 


360.918 
x67,8o4 


6,225 


367.143 


X42.619 




^6^ 


3x5.357 


'2S* 


5.300 


X73.IO4 


70,310 




t^ 


9X.643 


'S23 


79.339 


4.956 


84.395 


35.713 




3.443 


38.X41 


x883 


59.345 
6a,495 


4.907 


64.252 
76,330 


33.5" 




6.587 


'•SJ 


3X.X22 


i88x 


13.735 


22,417 




4x8 


23,671 


1880 


60,741 


9.1" 


69.853 


33.444 




x.36a 


657 


34.463 


^1^ 


46,058 
54.943 
15.8x3 


6,000 


45.898 


xx,9i9 




1.883 


40s 


14.307 

1.404 


6,856 


45.335 
53.830 
73.620 


X3,733 




3.583 


627 


1876 


,1:3: 


X2,oS3 
x.ooo 




3.981 
404 


534 


1875 


13.333 


29.146 














Capital Stock, $837,200. 






PRUDENTIAL INSURANCE 


1890 


5*636,876 


184.777 


5.821.653 


1.749.714 


>••• 


S.X84 


■ ■■ ■ 


1.754.898 


X889 


4.443,833 


158.465 


4.601.298 


1,397.856 


.... 


3467 


.... 


1.331.333 


x888 


3.659.495 


97.589 


3.757.084 


1.096,234 


.... 


<(S0 


.... 


x,096.8a4 


X887 


3,943.357 


71.094 


3.013.351 


853.819 


.... 


96 


.... 


853.914 


X886 


2,xi4,296 


S0.66X 


3,x64.957 


S93.373 


.... 






593.373 


'525 


1.468.95s 
x.127.738 


^•?* 


1.509.663 


4x8.622 


. • . • 




.... 


4x8.622 


'5!* 


28.842 


x,x56.58o 


333,383 






.... 


322.382 


'ff3 


828,9xx 


x6,992 


845.903 


222,083 






.... 


2aa.oe3 


X882 
x88i 


57X.595 
403,947 


13.998 
9.719 


157.705 
IX1.508 


.... 




.... 


X57.70S 
XX1.50I 


x88o 


350,958 


20,964 


27X.92a 


57.356 


.... 




.... 


57.356 


\^ 


X2i,s6o 
59.8x7 
38,5x7 


7.067 
663 


X28.627 
6o,a8o 
28.636 


33,015 
11.338 


— 







33.015 


^Vl 


IIQ 


S.396 


.... 




.... 


5.»96 


1876 


H.49S 


48 


14.543 


1.958 


.... 




.... 


1.958 



Incorpozated March 15, 1886. 



ROYAL UNION LIFE INSURANCE 




3.000 




873 


391 


.... 


314 


.... 


336 


x.ooo 


.... 


.... 




3.000 


.... 


.... 


.... 


.... 


.... 


.... 


.... 



4.363 
550 

x.ooo 
3.000 



Incorporated October 10, 1881. 



LIFE INDEMNITY AND INVESTMENT 



1890 


I3X.57I 


9.549 


X3I,I20 


63.520 




3.X69 




64,709 


1889 


X07.404 


7.743 


xi5,i46 


43.175 
64.550 
73810 




.... 


6x 


1888 


109.396 


7,016 


1x6.4x2 




.... 


159 


X887 


113.114 


6,0x1 


XI9.I3S 




.... 


43 


73.853 


1886 


114.720 


4.793 


1x9.513 


57.560 




.... 




57.560 



LIFE INSURANCE HISTORY. 



343 



INGS lAY-E^CatUinued 



Ex^nj.., 


Total 
Dttbune- 
mtnti. 


New BusufBss. 




Attcts. 


Liabilities. 


SurpluB. 




No. 


AmottDt. 


No. 


Amount. 


$ 
159.513 
104.793 

59.707 
54.187 
40.959 
39.355 
40.335 
32.298 
27.175 
35.133 
77.174 
23.5" 


570.372 
319.980 
151.350 
93.338 
73,081 
62.996 

64.698 

46,435 
44.117 

78,578 
23.511 


3.630 
3.138 

1,318 

284 

1.134 

X.898 

503 


15,156.100 
13.881.600 
8,809,400 
5,699,100 
507.676 
1,143.835 

1.404.181 

7631261 

X.<>31.334 

2,303.600 

927,100 


1.714 

*%^ 

3.343 
1.077 

IS! 
2^ 


36,000,696 
35.151.396 

14.038,171 
7.090,346 
3,637,971 
3,191,985 
59.196 
9,997,710 
9.907,031 
3.055.935 
9.151.374 
9.931.700 
857.600 


174.597 
149.798 
143.899 
157.931 

153.455 

130.753 
131,353 
140,507 


135.331 

68.478 

6x,734 

«:^ 

55.777 

39.8o8 
45.039 
53,465 
37.382 


ZO6.O49 
88.074 

91.534 
97.678 

IX3.X9S 



b Industrial policies. 



COMPANY OF AMERICA. NEWARK, N. J. 



Incorporftted April 3. 1873. 
Commenced Business October 13, 1875. 



3,880,977 


4.635.175 


^808,597 


^95.674.48^ 

*73.'5g.'853 

^58.*9i4.'98i 
^.413 


^1998339 
3.373 


135.084.498 
4.079.156 


5.084.895 


3.738.981 


1.345.914 


a.257.965 


3.589.388 


^i.8|0 


3i099|i9 

*85i!oi4 
915 


"l^:t^ 


3934.295 


2,859.550 


1.07X.745 


1.818,545 


3.915.439 


^558,339 


93.418.854 
1,949,929 


9,874.163 


9,097,799 


776.44X 


1,678,581 
1.198.981 


3.533495 
1,793.354 


519.577 

^391.378 
^ 553 


360.909,194 

689,000 

* 49,149,316 

98.S6o!i8^ 


^36,909 
X .735 
^548.433 


81.694.088 

59.^81697 

585.500 

40.3664^5 

38.545.189 


1.967.369 
x,495.790 


1,489.064 
1,019,883 


485.305 
405.837 


^:^ 


1,940,364 


4/499^ 


1.040,816 


717.779 


333.<^7 


971.063 


94,899.968 


1/334794 


753.878 


481,964 


971,6x4 


479.983 


703,065 


daaj^xj 


90,426.140 




33.053 935 
15.738.973 
10.959,948 


563.178 


333.484 


229.694 


. 293,730 


451.435 


^151956 


11.541,9x0 
9.688.369 


393.969 


0949,794 


142,545 
97.538 
84.939 


ai9,i8i 
186,579 


330.689 
343.898 


^101856 
^35.880 


4/8^62 


953.853 
i«.i54 


a 156.315 
a 83.915 


18,879 
16.953 


107.335 


3,9oa,76i 


^43.715 


90X.899 


« 94.797 


107.09s 
14.358 


45.994 


^90,064 




d 10,627 


3.095,531 


55.ig 


.« 40.794 


2A.I75 
18.911 


4/10,591 
''7.905 




X.097.751 
948.349 


iiiisfi 


tf 20,791 


6,1x5 



a Rekerve calculated at ^% per cent. 6 lodustrial policies. d All industrial policies. 



COMPANY. DES MOINES. lA. 



Commenced Business March 18. 1886. 



II.89X 


16.084 


154 


959,450 


579 


817.400 


50.344 


45.806 


4.43» 


la.614 


13 164 


237 


357.950 


511 


703.050 


3S.OI6 
18.955 


31.694 


3.322 


11,660 


X2.660 


176 


945100 


433 


542,100 


17.707 


1.94S 


8.735 


11.725 


929 


970,000 


349 


410,500 


ix,3S3 


9.797 


1.556 


5.357 


5.357 


9IO 


334.500 


9XO 


334.500 


3.438 


9,X38 



COMPANY. SIOUX CITY. lA. 



Commenced Business 1886.* 



37.7x9 
35.207 



xo6,r85 


585 


80,079 


999 


XIX,X97 


370 


xxi,573 


. 30X 


93,767 


534 



X,XI9,9I2 


9.288 


349870 


1.96a 


547.500 


3.376 


6^7,000 
1,188,750 


31969 



4.971.669 
4.44^,486 
5,476.950 
5.778.500 

7,970,000 




2Z36 
106.87s 

XOI,979 
65,104 
38.687 



* Did business as ao a 



Bt oonpany prior to this date. 



844 



LIFE INSURANCE HISTORY. 



Capital Stock, |i 18,000. 



IMPERIAL LIFE INSURANCE 



Year. 



Premiums. 



Interest 

and Other 

Income. 



Total 
Income. 



Death 
Claims 
Paid. 



Matured 
Endow- 
ments and 
Annuities. 



Surren- 
dered 
Policies. 



Dividends 
to Policy- 
holders. 



Tocad 
to Policy* 





$ 


$ 


$ 


J 


$ 


$ 


$ 


* 


isl^ 


86.816 
48.819 


6.76d 
7.076 


339.337 
170.762 


85,100 
80,571 






... 


33.175 
31.319 


107.275 
101.890 


^887 


'^^ 


» 


26,000 
20350 


.... 




.... 


13.070 
807 


38.070 
31 .157 


1886 


39.140 


451 


39.591 




.... 









Capital Stock, $100,000. 



BANKERS LIFE INSURANCE 



1888 
1887 



33,460 
17.863 
IZ.708 
3.545 



6.175 
6,050 
6,079 



38.63s 

33,913 

17.787 

3.365 



4,000 
7,000 



17 
680 



4-M7 
7.6B0 



Capital Stock, $100,000. 



WESTERN AND SOUTHERN LIFE 



1890 
1889 
1888 



70,337 


14,000 


84.337 


19.333 


43.518 


^^■s? 


57,518 


10,837 


14.359 


10.864 


35.333 


1.107 



z6a 
34 



19.605 

i>Or999 

1.141 



Capital Stock, $100,000. 






PEOPLES INDUSTRIAL INSUR 


S 


134.540 

69.136 

5.436 


6,195 
5.3P3 
1,615 


130,735 

74.439 

7.04X 


^'% 





185 


.... 


637 



Capital Stock, $250,000. 



U. S. INDUSTRIAL INSURANCE 




63.648 








'I'm 


.... 


.... 


.... 



63.64B 
31.354 

i.S«8 



Capital Stock, $150,000. 



COMMERCIAL ALLIANCE LIFE INSUR 



193,061 
17.319 



133,619 

3,699 

157 



315.680 

19.918 

157 



45.933 



Incorporated April 17, 1889. 



.598 68,460 



REGISTER LIFE AND ANNUITY 



1889 


11.471 
4.019 


5.886 
43 


17.357 
4,061 


;::::: 


.... 








Capital Stocky $150,000. 



1890 



18,171 



3.439 



31,610 



SUN LIFE INSURANCE COMPANY' 



3,403 



LIFE INSURANCE HISTORY. 



345 



COMPANY. DETROIT, MICH. 



Incorporated Jul^ 26, 1886. 
Commenced Business August 2, 1886. 



H^^ 


Total 
Dubune- 
ments. 


Nvw BUSINSSS. 


Outstanding 
Imsukamcs. 


Aisets. 


liabilities. 
4 3(. 


Surplus. 




No. 


Amoant. 


No. 


Anoont. 


$ 

93.461 

73.337 
42,509 
33.355 
14.801 


* 

aoo,7i7 

54.512 
14.801 


1,901 


6.133.000 
5.549,000 
3. 813. 100 
2.262,500 
1,821.500 


3.627 
2.774 

980 


12,463.100 

10.0x5,100 

6.950,600 

3.Ai8,ooo 

1.821,500 


2IQ,2l6 
I76,IQ* 
161,061 


99.736 
54.757 
34.804 


119.480 

121.347 
126,257 
120,310 
119.72a 



COMPANY. LINCOLN, NEB. 



Incorporated April 6, 1887. 
Commenced Business May 6, 1887. 



16,272 
15.217 
11.76a 

2,574 


20,289 

22,897 

11,762 

2574 


343 
411 

181 


578,000 
674.000 

362,000 


555 
172 


1,408,000 

1.224,500 

1.051,500 

344.000 


126.44 
114.078 
107,510 
102,169 


17.324 
9.198 
2.241 
1.196 


109,000 
104,880 
105,269 
100,973 



INSURANCE COMPANY. 


CINCINNATI. 0.< 


Incorporated February 23, 1888. 
' Commenced Business April 30. 1888. 


60,042 

45.194 
23.046 


79.667 

56,193 
24.187 


23,006 
18.939 

I2,2C34 


2.620,328 
i!698;748 


16,926 

11.348 

6,237 


2,000,073 
'889!o73 


112.664 
107.864 
104.307 


18,054 
5.459 
1.995 


94,610 
102,405 
102,312 



* Transacts industrial business. 



ANCE COMPANY. NORWICH, CONN. 



Incorporated March 31. 1887. 
Commenced Business September. 1888. 



88.966 

64.547 
23,012 



[28,116 


37.741 


78.232 


35.238 


22,649 


7.224 



3,804,850 
3,922,077 

854,014 



30.294 

19,028 

5.366 



3,226.363 

2.133.355 
643.961 



139.689 38.784 

132,544 1 16.108 
111,624 1,600 



100,905 
1x6,346 
110.024 



COMPANY. NEWARK. N. J. 



Incorporated Sef)tember 25. 1888. 
Commenced Business October 16. 1888. 



225,178 

132,112 
9.815 



153.466 
11.343 



90,187 

63.849 

5.947 



":« 


49.636 


32.372 


677.247 


4.593 



5.751.125 
3.6^.437 

528,607 



323.735 
152,362 

95.305 



21,288 
47.453 



302,447 
104.909 
95.305 



ANCE COMPANY. 


NEW YORK. N. Y 




Incorporated July 26, 
Commenced Business 


1888. 
February 8, 


1889. 


1SS.292 
53.765 


223,752 
53.765 


..'? 


19.786,500 
1,829,500 


4.727 
355 


17,174.000 
1,280,500 


321.439 
127.531 
125.041 


146.352 
15.354 


175.087 
112,177 



COMPANY. DAVENPORT. lA. 



Commenced Business April 22. 1889. 



9.741 
2.983 



9.741 
2.983 



276 
151 



5x2.500 
195,000 



360 
147 



576,000 
191.000 



11.641 
3.767 



S.967 
2,109 



5.674 



1,858 



OF AMERICA. LOUISVILLE. KY.* 




Incorporated August. 1890. 
Commenced Business September i. 


1890. 


37.071 


39.473 


21,969 


2.441.14s 


16,832 


1.872,594 


132.192 


.... 


132.192 



* Transacts industrial business. 



LIFE INSURANCE RATIOS. 



BEING A SERIES OF 

COMPAI^AXIVE EXHIBITS 

FOR 

LIFE POLICYHOLDERS 

Showing the Business and Financial Standing 

OF THE 

LIFE INSURANCE COMPANIES 

OF THE UNITED STATES. 



COMPILED FROM OFFICIAL REF»ORTS 



Introduction. 



The fifty companies whose business is given in the fullest. detail in the fdlowing 
pages belong to seventeen different States. In order to have the full particulars of 
these companies under one cover, and so save an enormous amount of time and labor 
of vanous agents and policyholders interested in the subject throughout the country, 
and at the same time show every company squarely upon its own merits, we have, for 
the third successive year, caused this compilation to be made. 

The report of the New York Insurance Department has been used as a standard, 
the figures of companies not reporting to that State being taken from their reports 
made to other Insurance Departments, so that the figtures of all companies are olBcia], 
the ratios, however, being prepared by us. 



LIFE INSURANCE RATIOS. 347 



It has been our aim to improve and extend the work as much as possible, in ac- 
cordance with the suggestions of those who hare found the compilation of service, and 
as a result several new exhibits are this year given. Although the tables are self- 
explanatory, yet, in order that they may be the more readily understood, we have 
added a few concise notes in further explanation of the exhibits. 

One important change and improvement to which we would call special attention 
is that of placing the industrial companies in a separate group in each exhibit. 
This branch of the life insurance business has made such rapid strides during the past 
few years that in a compilation of this character the general averages of the exhibits 
have become seriously affected, owing to the different circumstances under which the 
industrial business is conducted, notably so in the case of the expense rate. Accord- 
ingly, we this year, for the first time, place these companies by themselves. In the 
case of the four companies that transact a regular business as well as industrial, a 
separation has been made whenever practicable; but these classifications are few in 
number, and, as the bulk of their business is industrial, they will be found under that 
head. 

In considering these exhibits, it must be remembered that one set of ratios does 
not indicate the comparative standing of any particular company. It is only by an 
examination of all that a fair comparison can be made, and even then, perhaps, only 
by a comparison with previous years. For this reason we have presented in the ex- 
hibits a comparison with the figures and ratios of the preceding year. 



Notes. 



Exhibit I. In addition to the companies named in this Exhibit, the following compaoies 
cariy small amounts of outstanding insurance on their books, bat write no new basiness : 

Girard Life, Annuity and Trust, Philadelphia. 

Massachusetts Hospital Life, Boston. 

National of United States of America, Chicago. 

New York Life and Trust New York. 

PennsyWania Company for Insurance on Lires, Philadelphia, 

The Hartford Life and Annuity of Hartford, Conn,, is also winding up its regular busioeM 
and now confines its new issues to its Safety Fund plan. 

Exhibit III. The item of Assets Not Admitted consists of assets whose value cannot be 
readily ascenained by the insurance commissioners and are therefore disqualified, althoagh 
they may be perfectly good investments. Agents' balances, bills receivable, furniture fiztares 
and safes, advances to agents and commuted commissions are included in this item. The 
departments also deduct an average loading of twenty per cent of the deferred and unpaid pre- 
miums. These amounts are also included in this column. 

Exhibit IX. Many companies uke notes in part payment of premiums, upon which is- 
terest is paid, and others loan a part of the policy reserve to their policyholders. The amoDDts 
of such notes and loans are, of course, deducted in the final settlement of the policies. The 
following shows the total of such notes and loans for the year 1889 : 



Mutual Benefit $5,060,866 

Connecticut Mutual 1,813,181 

^tna Life z»599.3i9 

Union Central i.iia.447 

Penn Mutual 998.544 

New EoKland &>^^ 

883.3 «. 
Massachusetts Mutual 866,109 



Berkshire $i3f7n 

Brooklyn laj-T* 

Mutual of Kentucky 81.801 

Padtic Mutual 81.096 

Connecticut General 7^.5°° 

Covenant Mutual 60.594 

Maryland 47.650 

EquiUble of Iowa 35.9'5 

Mutual of Baldmore 92,yj 

Vermont M.4g 

Life Indemnity and Investment 10,060 

Provident Savings 35O0 

German Mutual i'4^ 

Presbyterian Ministers i>^ 

Royal Union »9 

John Hancock 164.03 

Metropolitan W» 

Life Insurance Company of Virginia. . , . 05.849 

Prudential ^1 



OKU 

Phoenix Mutual ^3.Z59 

Massachusetts Mutual 866,109 

Manhattan 855,179 

Provident Life and Trust 811,053 

Northwestern 7oa>542 

Home Life 631.531 

Union Mutual 460,190 

State Mutual 419.355 

New York Life 367.394 

National of Vermont 312,011 

Travelers aa6 575 

Germania 319,033 

Michigan Mutual 180,597 

United States X73.770 

The above makes a total of 119.709.367. consisting of $15,2x2,408 in Premium Notes aod 
$4,496,959 in Loans to Policyholders. 

Exhibit XXL The item of All Other Assets is made up chiefly of interest and rents due 
and accrued. 

Exhibit XVII. Many companies now transact a large part of their business on pltos 
which involve the deferment of dividends for periods of ten, fifteen or twenty years. This is 
generally known as the tontine principle, and the departmenu require companies transtctiof 
this class of business to report the surplus specially reserved for it- All the comptoies 
marked d in this exhibit issue policies which embody the tontine principle, though under 
varjring titles. 

Exhibit XIX. The Net Assets are obtained by deducting from the admitted assets ali 
indebtedness outside the amount set apart as the reinsurance reserve. 



LIFE INSURANCE RATIOS. 349 



Exhibit XX. The heavy Ratio of Asaots to Liabilities of the first six companies is caused 
partly by the tact that the companies areyonng and possessing a capital of $100,000 or over, 
the assets are large, while the liabilities are relatively small. Three of the companies transact 
a term business almost exclusively; under which plan the reserve required is comparatively 
small. 

Exhibit XXL The Not Admitted items of assets added to the Admitted Assets and Sur. 
plus, give the Gross Assets and Surplus of this table. 

Exhibit XXII. The following amounts paid for reinsurance have been deducted from the 
new premiums of the companies named : iEtna, #693; Berkshire, $21,125; Brooklyn, $3093; 
Commercial Alliance, $614; Connecticut General. $2183; Equitable, N. Y., $762; Germania, 
$6667; Imperial, $164; John Hancock, $455; Life Indemnity and Investment, $1006; Manhattan, 
$607; Maryland, $10,469; Massachusetts, $44,521; Michigan^ $10,063; Mutual of Baltimore, 
$298; Mutual of Kentucky, $794; New York Life, $90,663; Pacific Mutual, $1074; Penn Mu- 
tual, $4303; Phoenix Mutual, $899: Provident Savings, $9953; State Mutual. $2410; Travelers, 
$31,148; Union Mutual, $4386; United Sutes, $7122; Vermont, $648. 

Exhibit XXIII. The column of Other Receipts is made up of such items as Discount on 
Claims paid in advance, Policy Fees and Sundries. 

Exhibits XLI-XLVII. There is much uncertainty as to what is the really true basis for 
comparing expenses. Some companies claim that one ratio is the best, because it suits 
them, while others prefer an entirely different ratio. In these exhibits some of the chief 
methods are given. 

Exhibit XLVIII. The amount of Interest Earnings given here do not include the items 
of profit and loss, but only the actual interest and rental receipts. 

Exhibit L. In considering this table, it must be remembered that the greater part of the 
business now transacted is on plans embodying the Tontine principle, under which dividends 
are not distributed until the ends of periods varying from ten to twenty years. As only three 
companies are paying matured policies of this class, and a very small number at that, it follows 
that the amount paid out in dividends by the majority of the companies is comparatively small. 
Then, again, there are large numbers of policies issued at lower rates of premium on the non- 
participating plan. A study of this exhibit, in connection with the increase in surplus in Ex- 
hibit XVIII, will give a clearer idea of the dividend earnings of the several companies. 



S60 



LIFE INSURANCE RATIOS. 



Exhibit L— List 

Giving the Names of all active United States Life Insarance Companies, together with the 
Year of Incorporation, the Year when Business was Commenced ; also showing the Age of 



No. 



OrnciAL Title of Company. 



lioiDs Office* 



iBcm pm Jtcd. 



7 
8 

9 
lo 



IX 
12 

13 
IS 
x6 

\l 

19 



31 

ia 

34 

as 

26 



a9 
3P 

31 
3* 
33 
34 

3S 



39 
40 

41 

42 
43 
44 
45 

46 
47 
48 
49 
SO 

SI 
Sa 
53 

54 
SS 



ifitna Life Insurance Company 

Banlcers Life Insurance Company , 

Berkshire Life Insurance Company , 

Brooklyn Life Ii.surance Comp-iny 

Commercial Alliance Life Insurance Company t. . 

Connecticut General Life Insurance Company 

Connecticut Mutual Life Insurance Company 

Covenant Mutual Life Insurance Company 

Equitable Life Insurance Company of Iowa , 

Equitable Life Assurance Society 



German Mutual Life Insurance Company. 

CSerroania Life Insurance Company 

Home Life Insurance Company 

Home Life Insurance Company / 

Illmois Life Insurance Company 



Imperial Life Insurance Company i 

John Hancock Mutual Life Insurance Company 4 . 

Kansas Mutual Life Association 

Life Indemnity and Investment Company i 

Life Insurance Company of Virginia, Tlie A 



Manhattan Life Insurance Company 

Maryland Life Insurance Company 

Massachusetts Mutual Life Insurance Company >l. 

Metropolitan Life Insurance Company k 

Michigan Mutual Life Insurance Company 



Mutual Life Insurance Company of Baltimore. . 
Mutual Life Insurance Company of Kentucky. . 

Mutual Life Insurance Company 

Mutual Benefit Life Insurance Company 

National Life Insurance Company of Vermont. . 

New England Mutual Life Insurance Company. 

New York Life Insurance Company 

Northwestern Mutual Life Insurance Company. 

Pacific Mutual Life Insurance Company 

Penn Mutual Life Insurance Company 



Peoples Industrial Insurance Company A. . 
Pbcenix Mutual Life Insurance Company. 

Presbyterian Ministers Fund, Thef 

Provident Life and Trust Company 

Provident Life Insurance Company kl — 



Provident Savings Life Assurance Society i 

Prudential Insurance Company of AmencaA 

Register Life and Annuity Life Insurance Company. 

Royal Union Mutual Life Insurance Company 

State Mutual Life Assurance Company 



Sun Life Insurance Company of America. 

Travelers Insurance Company 

Union Central Lite Insurance Company.. . 

Union Life Insurance Company , 

Union Mutual Life Insurance Company. . , 



United States Life Insurance Cooipany. 

Vermont Lif * Insurance Company 

Washington Life Insurance Company 

Western and Southern Life Insurance Company. 



Hartford, Conn... 

Lincoln, Neb 

Pittsfield, Mass 

New York. N. Y.. 
New York, N.Y.. 

Hartford, Conn . . . 
Hartford, Conn . . . 

St. Louis, Mo 

Des Moines, la.... 
NewYoiit,N.Y. . 



i8ao.. 

April 6. X887 

May, 1851 

July 36,1864..... 
July, a6. x888 

June as, i855 

June xa, 1846 

Februai7aA.i853. 

January, Z867 

July 20, 1859 



St. Louis, Mo 

New York. N.Y.. 
Brooklyn, N. Y.di. 
Salt Lake City, Utah 
Chicago, 111 



Detroit, Mibh... 
Boston, Mass. . . . 
Hiawatha, Kan . 
Sioux Citv, la. . , 
Richmond, Va. . . 



i>er»,x8 
April xo. x8do . . 
April 30, x86o 

May ax. 1891. 

July26.x886 

April ax, x86a 

January 16, xSSa.. 
Octoberio. x88x.. 



NewYoA. N.Y... 

Baltimore, Md 

Sprinefield, Mnss . 
New York, N.Y.. 
Detroit, Mich 



July x6, x^o 

March xo. 1864... 

May X, X851 

June, x866 

November 6, 1867. 



Baltimore, Md... 
Louisville, Ky.... 
New York. N. Y. 
Newark, N.J... . 
Montpelier.Vt.... 



Boston, Mass 

New York, N. Y... 
Milwaukee, Wis... 
San Francisco, Cal, 
Philadelphia, Pa. . . , 

Norwich, Conn 

Hartford, Conn 

PhiUdelph a. Pa. . . 
PbUadelphia.Pa.... 
Wheeling, W.Va... 



February 7, x866.. 

April xa, tB4a 

January 3X, 1845.. 
November 13, X848 

April X, 183s 

Mity 21, X84X 

March a. i8s7 

January a, x868... 
February a4, X847. 

March ju. 1887... 
May, 1851. 



January XI. X7S9.. 
March aa, X865... 



New York. N. Y . 
Newark, N.J... . 

Davenport, la 

Des Moines, la. . . 
Worcester, Mass. 



February as. 1875 
April 3, x*-- 
Apnl xy. 



March X5. 1886 
x6, X844 



March ] 



Louisville, Ky... 
Hartford. Conn. , 
Cincinnati, O... 

Omaha, Neb 

Portland, Me 



August, x8qo 
June 17. ife . 
March 98, 1867 
April ax, X885. 
July X7, X848. . 



United States Industrial Insurance Comoany Newark, N. J — 

" '"^ •- " " NcwYirk, N.Y.. 

Burlineton, Vt... 

New York, N.Y. 

Cincinnati. O 



September 95, x8^ 
Febftiarya5, 1^0. 
October, x868.... 
January 3X, x86o . 
February 33. x888. 



a Cxecttdve office in Ne«r York. 6 Old btuines^ as an astessmoit conDaoy prior to this date. c BoaineM re- 
recetred on capital credited to trust departmeot, and diTidends 00 camtal paid from same scarce. jr All the omb- 
buaioeu. i Transacts term business. Jk Cspitsl stock was bougat in during 1889 and this repreieats taa stJl oat- 
are not shown in the following exhibits. 



LIFE INSURANCE RATIOS. 



351 



OF Companies. 

Location of the Head Office, the Names of the President and Secretary, the Capital Stock, the 
the various companies at January 1,1891, and Rank in the same. 



Commencad Bu«ae«. 



Cftpital 
Stock. ^ 



Name of President. 



Name of Secretaiy. 



Yean in 
Busineas. 



Rank as 
to Age. 



July, 1850 

May 6, 1887 

September 4, 1851. . 

July. 1864 

February 8, 1889. . . 

October, 1865 

December 15, 1846. 

April 1, 1853 

March. 1867 

July s8, 1859 

April 12, 1858 

July x6, i860 

May I, i860 

1889. 

August 3. 1886 

December 37, i86a. 

May 30, 1891 b 

z886^ . 
1871. 

August I, X850 

July 12, 1865 

August I. 18^1 

Januanr, 1807 

November xa, 1867. 

1870. 

June 13, 1866. 

February i, 1843... 

April 1, 1845 

February i, 1850... 

February I. 1844... 

April 17, 184s 

November 35, 1858. 

Aprfl, 1868 

May as, 1847 

Srpterober, 1888... 
May. 1851 

1759- 

July 31. 18^ 

Z889. 

August zo, 1875.... 
January i. 1876.... 

April 33, 1889 

March 18. 1886 

June 1,1845 

September i, 1800 . 

July, 1866 

1867. 
January 1. 1891^ .^ 
October 1, 1849....? 

October 16, 1888... 

March 4, 1850 

January i. 1869 

February 3, i860... 
April 30, 1888 



$1,350,000 

xoo.ooo 

25.500 

135,000 

150,000 

150,000 
Mutual 
Mutual 
100.000 
100,000 

Mutual 

300,000 

135,000 

100,000 

1,000,000 

zi8,ooo 
Mutual 
Mumal 
Mutual 
100,000 

100,000 
100,000 
Mutual 
1,000,000 
350,000 

Mutual 
100,000 
Mutual 
Mutual 
Mutual 

Mutual 
Mutual 
Mutual 
zoo,ooo 
Mutual 

100 000 

>J 1.050 

Mutual 

/i,ooo,ooo 

30,000 



100,000 
837.300 
Mutual 
Mutual 
Mutual 



150.000 
^600,000 
100.000 
135,000 
Mutual 

350,000 
440,000 
100,000 
135.000 
100,000 



Morgan G. Bulkeley. . . 

N. S. Ha wood 

William R. Plunkett.. 

William M. Cole 

John T. Holly 



JoelL. EnjBrlish.. 
W.A. Lindley.... 
James W. Hull.. 
William Dutcher. 
A. C. Hunt 



Thomas W. Russell 

Jacob L. Greene 

E. Wilkerson 

F. M. HubbeU 

Henry B. Hyde 



Frederick V. Hudson. 
Edward M. Bunce.... 
Charles E.PilUng.... 

J. C. Cummins 

Wilham Alexander. . . 



Christian A. Stifel 

Hugo Weseodonck 

Charles A. Townsend. 
Joseph F. Smith 



Louis J. Behrens. 
Hubert Cillis .... 
George E. Ide. . . . 
HeberM. WeUs.. 



S. F. Angus 

Stephen H. Rhodes 

J. P. Davis 

C. E. Mabie 

G. A. Walker 



F. R. Alderman 

George B. Woodward. 

John E. Moon. 

A.T.Parrish 

James W. Pegram 



Heury B. Stokes 

William H. Blackford. 

M. V. B. Edgerly 

Joseph F. Knapp 



Wm. C. Frasee ... 
Henry R. Crane..., 

John A. Hall 

George H. Gaston. 
O. R. Looker 



B.G.Harris 

Charles D. Jacob .... 
Richard A. McCurdy. 

Amsi Dodd 

Charles Dewey 



HenVyRoth 

WiUiam W.Morris.. 

W.J. Easton 

Edward L. Dobbins. 
George W. Reed 



Benjamin F. Stevens. . 

William H. Beers 

Henry L. Palmer 

George A. Moore 

Edward M. Needles... 



S.F. Trull 

RufusW. Weeks. 
J. W.Skinoer... 

J.N. Patton 

Henry C. Brown. . 



Hugh H. Osgood.... 
Jonathan B. Bunce. . . 
Rev. Hughes O Gibbons 
Samuel R. Shipley.... 
D.H.Taylor 



Sherman B. Bishop . . . 
Charles H. Lavrrence.. 
Rev. N. L. Upham.... 

Joseph Ashbrook 

L. J. Jenkins 



Sheppard Homans.. 

John F. Drydcn 

P. M. McManus. . . . 
Frank D. Jackson . . 
A. G.Bullock 



WUliamE. Stevens.. 
Forrest F. Dryden. . . 

J. C. Duncan 

Sidney A. Foster. . . . 
H.M. Witter 



Albert S. Willis 

James G. Batteri'on 

John M. Pattison 

E. M. Morsman 

JohnE. DeWitt 



George H. Lake. 
Rodney Dennis . . 
E. P. Marshall... 

A. L. Wigton 

Arthur L. Bates.. 



Edward N. Crane.. 
George H. Burford. 
William H.Hart... 
W. A, Brewer, Jr.- 
Frank Caldwell.... 



T. Elmer Gay 

C. P. Fralcigh 

C. R.TorriU. 

W. Haxton 

William J. Williams. 



40 

4 
39 
«7 

3 

as 

ti 

34 
31 

33 

30 

31 

3 



5 

30 
40 

as 
39 
24 
33 

31 

I 

46 
41 

47 
46 
3a 
a3 
44 

3 
40 

I 

IS 
15 

3 

4 



a4 
a4 

41^ 

3 
4X 
33 

31 
3 



38 

7 

17 

33 

30 



18 

a3 

33 

49 
55 

43 
24 
54 

38 

13 
37 

15 
31 
34 

37 
a9 

8 

4 
xo 

3 
5 

19 

X 

36 
SI 

39 
40 
50 

5a 
30 
3a 
53 
9 

47 

XX 

36 

31 

45 



stricted »o Probyteriaa ministers. # Company i« purely ttock, paya no divideof^s to policyholders. /'Intenst 
paoies having a capital stock, except those marked t^ share the profits with the policyholders, k TiansacU industrial 
standiiv shares. / Company does not report to any department where a detailed sutement is required, and figures 



362 



LIFE INSURA^XE RATIOS. 



Exhibit IL— 

Being a Synopsis of the Principal Items 



Nams of Compaky. 



i« 



Imcomb. 



Premium 

and 
Annuity. 



Interest 

and 
Other. 



Total. 



DiSBUKSSMBNTS. 



To Policy- 
holdets. 



Total. 



JEtaaUie 

Bankers 

Berkshire 

Brookl3m 

Commercial Alliance 

Connecticut CSeneral 

Connecticut Mutual 

Covenant Mutual 

Equitable of Iowa 

Equitable, New York. . . . 
German Mutual 

Germania 

Home Life 

Imperial 

Life lod. and Invest .... 

Manhattan 

Maryland 

Massachusetts Mutual... 
Midiigan Mutual 

Mutual of Baltimore 

Mutual of Kentucky 

Mutual of New York 

Mutual Benefit 

National of Vermont 

New England 

NewYorit Ufe 

Northwestern 

Pacific Mutual 

Penn Mutual 

Phcenix Mutual . . . . 

Presbyterian Mmisters... 
Provident Life and Trust 

Provident Savings 

Register L. and A 

Royal Union 

State Mutual 

Travelers 

Union Central 

Union Mutual 

United States 

Vermont* 

Washington , 

Totals 

Industrial CcmpanUs, 
John Hancock 

Life Ins. Co. of Virginia 

Metropolitan 

Peoples Industrial 

Prudential 

Sun Life 

United States Industrial.. 
Western and Southern. . 

Aggregates 



Combined Aggregates 



1850 
18S7 
1851 
Z864 
1889 
1865 
1846 

1853 
1867 

i860 

i860 
1886 
1881 
1850 
1865 
1851 
1867 

1870 
1866 
1843 
1845 
1850 
1844 

'M 
1858 

1868 

1847 

1851 

'^ 
'^ 

1886 
1845 

I8d6 
1867 

1849 
1850 
1869 
i860 



1863 

1871 

1867 
x888 

187s 
i8qo 
x888 



$ 

4,0x0,335 

33,460 

1,020,583 

167.165 

193,061 

373.068 

4.416.575 

34.363 

103,554 

39.352508 

8.441 
3,411,850 
1,001,631 

aaa.573 

iai,57i 
1,980,638 

148.850 
a. 170.031 

747.196 

58,198 

433.789 

27.063.083 

5.977,870 

1,789.^73 

3.801.838 

36.587.390 

8,923,775 

454.51S 
3.608. 191 

703.073 

40,370 

3,1x2.899 

i.Sia.S9i 

XI.47I 

98,^ 

1,385.721 

1.515.069 

3,078,384 

782,364 

1,009161 

86.606 

3,082,808 



$ 
1.786,097 

6. 175 
317.436 

83.135 
133.619 

3.398;466 
21,088 
53.901 

5.684.175 
26,100 

749.736 

346.519 
6.764 
9.549 

717,602 
91350 

539.136 

149.483 

7.955 

94.447 

7.915.696 

2,493.128 

312,823 

1,032,144 

4,896.413 

2,196.503 

123267 

938,676 

606,753 

72.6x7 

814.030 

30.8x7 

5.886 

9 474 

286.887 

535.850 

339.389 

289.386 

ao,oi8 

473.636 




3.161,586 
1,348,140 

929.337 

131,120 
2.707 230 

240.200 
2,709.167 

896,679 

66.153 
597.936 

34.978,779 
8.470.998 
2,102,295 



3.833. 

31,483,702 

IX, 1x9,278 

577.782 

4.546.867 

1.309,826 

112.887 

3.926.929 

x.543.408 

17357 

1,672,608 
2,050.9x9 
2.4x0.073 
1.091.967 

1,398.547 
106,634 

9.555.444 



$ 
978.967 
16.272 

947.449 

99.287 

155.999 

93.137 

1,025 196 

97.661 

39.196 

7.337.390 

5.69a 

581,811 

300.402 
93.461 



943.297 
16,973.200 

5.378.799 
728,904 

2,512,289 
13.979. 

3.9»3.i; 
335 

2,071,454 

1.051.! ' 

28,1 
1.536.643 
1.0SS.079 



618.8L 
767,9x2 
739.388 
796,600 

X^ 

1,989,096 



7,307,616 

1,150.009 

599,510 

.557.364 

6,683,319 
3,059 669 

147.82 

841,476 

949,770 

19,790 

346.906 

9.741 

ZI,82I 

3^.468 
347.703 
719.718 
318.977 
435.585 
^.879 
578.915 



$ 

4.535.381 

90.289 

947338 
302.624 
223752 

959.317 
6.858.788 

58,579 

101.606 

90.594063 

33.<H5 

3,150.327 

958.912 

900.737 

106,185 
9.Q97.33S 

169.474 
1.869.515 

566.821 

59.633 

370.JW 

24.x80.816 

6.598.806 

1.351.4x4 

3.079.653 

19 961.863 

5.980,805 

483.087 

a.919.935 

l.a94.S38 

41.658 

«.a3S.9a3 

x.40X.a^ 

934.304 
X.115.61S 
1.459.X06 

1.<MS.S77 
1.093^37 

X.868.011 



140,496,279 

2,002,644 

934.547 

9.390.927 

194.540 

5.636,876 

18. 171 

164.939 

70.397 



37.934.550 

177.378 
71.180 

479.699 

6.X95 

184.777 

14.000 



178.360,829 

9,180.029 

305.797 

9.863619 

130,735 

5,891.653 

21.610 

169.547 

84.397 



83,322,375 
901,822 
100,8^ 

3.803.136 
39.150 

1.754.898 

9,40a 

63.648 

19,624 



36.074.384 

878,211 

135.356 

3,810.867 

88.966 

2.880.977 

37.071 

225.X78 

60,049 



"9.396,659 

1.780.023 
936.221 

7.6x4.003 

X28.116 

4.635.175 

79666 



17,643.971 



934.969 



18,577.940 



6.685,545 



8,115.968 



x4.801.513 



158.069.950 



38,868,8x9 196,938,069 90,007,800 44.190.359 



134.198,179 



a Industrial btttinefs. b Regular bnsiiiaM. c Cakvlatcd 



LIFE INSURANXE RATIOS. 



353 



Business of 1890. 

of the Compankt' Sutements for i8qo. 



NsW BUSINSSS IN Z890. 



Outstanding Insukancb. 



Financial Condition. 



Nvnber 
of Policies. 



]0,fia6 

343 

360 
5.4Sa 

3.776 

6^ 

356 

54.576 

10 

5.178 

3.393 
1.901 

58s 
4.407 

376 
5.259 
2,611 

'Ul 

1.705 
49.061 

l^ 

3.754 

93^466 

1,174 

7.558 

1.759 

360 

4.190 

4.84; 

276 

154 

a.377 

4.44a 

11.573 
a,47a 
4.078 
1.499 
4.859 



Amount. 



Nniaber 
of Polidet. 




19.786,500 

X.834,199 

10.674.995 

6^.667 

203.896,107 

15.384 

10,015.716 




13.24^355 

x6,i7433° 
5x2.500 

a5a45o 

7.365.821 

14.399.153 

21,111,955 

5.357.519 

12,429.917 

737.599 
10,638 473 



74.014 

4,071 

tj^ 

64.147 

I.4IO 

2,234 

197.825 

07,812 

39.591 

14.539 

3.627 

2.288 

19,466 

2,291 

22.706 

19.145 
fl 1,429 

l'J53 
0,871 

2^5564 
65.154 
21,604 
28,619 

173.469 

98.595 

4.596 

35.345 

95.627 

17.917 

360 

19.380 
94.544 
99.615 
15.933 
15.493 
3.336 
22,084 



Amount. 



$ 

117.656,381 

1.408,000 

98.374.563 

5.566.591 

17.174,000 

8.863,154 

153.934.749 

1,892,902 

3.155.690 

790,662,473 

685.584 

« 905.378 

57,322.242 

29,027,638 

12,463.100 

4,971669 

54.500.754 

5.376.367 

63.290,789 

22,822,721 

« 55.947 

1,106,484 

12,267.749 

638.041.180 

17a.8io.944 

46.362,301 

84.024.809 

569.338.796 

238,908,807 

11,710,286 

90.278,701 

25,064.936 

1.455.868 

79.974.94s 

65.131.509 

§76,000 
17.400 

35.017.951 
53.558.990 
50055,701 
28,218,753 
36.322,1^ 

48'.397!396 



$ 

35.993.00a 

126,414 

4,700,724 

1.579.999 

391.439 

2.059.896 

58,741,243 

375.999 

Il6,887.'78l 
409.548 

15.736.711 

7,208,949 

219.216 

171.159 

12,281,660 

1,500.111 

11,252,640 

2,976.469 

178,791 

1.795.023 
146,494.180 

46.997.4M 

6.763.846 

21,015,9^8 

115.093.906 

49.338.959 
«9.239,709 

16,485.438 
lo.oio.ooo 

18,606619 

805.735 

II.64I 

50.244 
6.396.579 

10.466,489 
6,614.487 
6.203,768 

6,469,^3 

387.85* 

10,741.899 



Liabilities, 
4 Per Cent. 



$ 

29,907,749 

17.394 

4,171,5^ 

1,42^.289 

146,359 

slM^ 

371.993 

541.975 

95.377.115 

390.419 

14,661,1x8 

5.713.717 

99.735 

79.493 

11,245,099 

1,219,408 

10.379.034 

9.753.707 

^157.751 

1. 750.001 

136.6a3.558 

43.566.148 

5.915.593 

19,051.204 

100.624,919 

^,821.588 

02.068,949 

14.758.528 

9.417.813 

. 346.953 

16,159,76a 

450,907 

4si8o6 

5.536.567 
9.161,447 
• • 6.234,658 
5,874.900 
5.860.^1 
315.339 
10,382.3x4 



Surplus. 



$ 

6,085.260 

X09.090 

599.182 

155.010 

175.087 

^509.374 

6.054.767 

4.006 

993.344 
21,5x0,071 

89,199 

1.075.S93 

1.495.939 

iX9,48x 

91.736 

1.036.631 

980.703 

873.006 

222.762 

^21,040 

45.099 
9,870,622 

3.431.974 

848.252 

1.964.744 

15.069.047 

6.516,671 

^170.766 

1.726.910 

599.187 

107.553 

2.446.857 

354.828 

5.674 

4.438 

860.005 

1.305.042 




995.518 
4 8x7 

€l 200,804 

*415 

a 37,0x5 

^2^ 

43912,273 

tf 808.597 
21,969 
90x87 
23,006 



896,719,208 

d 1,596,401 

423,083.151 

^515.073 

a 2.989.720 

* 33».74i 

a 100,852,802 

3,804.850 

* 3.075.376 

« 95.674.484 

9.441.145 

9,020.390 



09,241 
130,646 

* 5.575 

032,916 

^3.287 

o 2,096,590 

§0.994 
*3.272 
a 1,228.432 
16,832 
49.636 
x6,996 



« 965.395 
3.599.469.087 

d 10,059 866 

« 45.779.709 

3.958.630 

o 3,000,2x5 

d 3,922.486 

0231. 115., 

* 4.079.1^ 

« 135.084.498 

1.879,594 

5,751.125 

2,000,073 



749,921.690 

3.967.910 
508.11a 

10,781,173 

139.690 

5.o84.8$$- 

132,192 

3.735 
9,664 



393.75 

XI2,r 



662.191.060 
3,628.424 

^380.574 

8,664.144 

38.784 

3.738.981 



21,288 
18,054 



87.730,630 
339.486 

c 127.538 

2,117,089 
100,906 

1.345.914 

132,192 

302.447 

94.010 



#4,0ifl 
««.143.S99 



* 5.448.591 
a 241,937.448 



t'3.715 
a 3.873.673 



d 2i.^.X38 
o 427.823,017 



91.050,371 



16,490,249 



4,560, X22 



*«9963D 
a 2,243,739 

at4MV«c«t* 



* 902,167.799 
o 241,946,5x9 



^ x,320,X76 
a 3.882,9x4 



^.620,789,825 
a 498,789,342 



770,979,o6x 



678.681,309 



99,290,752 



d Indvdct accident branch. 



364 



LIFE INSURANCE RATIOS. 



Exhibit III — 

Being a Summary, Analysis and Classification of the varions items comprising the Ad- 
also the Total Admitted Assets at January i, i8go, together with the position of the com- 



lUak. 



8 
9 

ID 

II 

13 

13 
H 

\i 

iS 

19 

ao 

31 



33 
37 

as 



39 
30 
31 
33 
33 
34 
35 



39 
40 

41 
43 



NAME OF COMPANY. 



Mutual. New York 

Equitable, New York 

New York Life 

Connecticut Mutual 

Mutual Benefit 

Northwestern 

iEtnaLife 

New England 

Provident Life and Trust 

Penn Mutual 

Germania 

Manbatt'tn 

Massachusetts Mutual 

Washington 

Travelers 

Phoenix Mutual 

Home Life 

National of Vermont 

Union Central 

United Sutrs 

State Mutual 

Union Mutual 

Berkshire 

Michigan Mutual 

Pacific Mutual a 

Connecticut CSeneral 

Mutual of Kentucky 

Brooklyn 

Maryland 

Provident Savings 

Equitable of Iowa 

Presbyterian Ministers Fund. . . 

German Mutual 

Vermont 

Covenant Mutual 

Commercial Alliance 

I mperial 

Mutual of Baldmore 

Life Indemnity and Investment. 

Bankers 

Royal Union 

Register Life and Annuity 

Aggregates 

Industrial Compamies. 

Metropolitan 

Prudential 

John Hancock 

Life Ins. Co. of Virsinia 

United States Industrial 

Peoplf s Industrial 

Sun Life 

Western and Southern 

Aggregates 

Combined Aggregates 



Real Estete. 



$13,483,093 
37.159.037 

860,45^ 
997.100 
638,661 

1.710,335 
1,151.550 

xK 

397,690 
501,183 
515.155 

1,143,673 

1,149,819 

168.300 

336. lOI 
198.343 
156.304 
390.000 

978,997 
451.015 
163.SI9 
343.876 
109.964 
17,804 
364,913 

84.658 
75.709 

33,806^ 
57.836 
37.650 



$78,316,098 

$1,365,613 
635,044 



$3,483,497 



$80,699,595 



Bonds and 
Mortgage*. 



$63,046,139 
34.407.388 
19.446.083 
35,674,586 
34.398.133 
35.455.^3 
17.308,560 

3.050.545 
8,345.434 

5.433.459 
8,1^,7^ 

3.689.33X 
3,974.536 

8.978.993 

3.337,143 
6,361,706 
1,485.050 
8.967,49s 
4.314.575 
3.738.469 
1.1I7.9S9 

1.376.75s 
3.535.455 
3.334.835 
1.300081 
1.380.531 
1.385.075 
539.045 

353.333 

107,900 

531.783 

88.350 

363.965 
337,530 
356,390 

135.500 
111.465 
33,000 

131, 016 
74.000 

5.884 



$397,547,488 



$6,058,135 

3,683.797 

1,^.005 

360,900 

146,900 
17,000 
50,000 

100.000 



$13,053,747 



$309,601,335 



U.S. 

Stocks and 

Bonds. 



$^.4oa 
884.050 
883,175 
118,000 
8,970 
131.331 
954.938 

169.400 



133. 100 
181,110 
138.875 



30.375 
1.333,500 

134,950 
13,350 
60.750 

178,500 

61,000 

146,400 

1,934 



$5,988,990 



$340,893 

131.000 



3,630 



$465,533 



$6,454,513 



Other Stocks 



$53,809,885 

S:« 

11.733.757 

11.094.735 

3.833.796 

11.311,109 

13,681. 816 
6.384,355 
6.Q55.474 
4,517.368 
1.838,034 
4,363,305 
435.613 

4,176,804 
1,166,719 
3,101,356 
3,333,66a 



1,836,431 
3.584.040 

3.684.470 
580,354 



388.060 

3^.355 
143.035 
431.7^ 

937.943 
53,953 



6,300 

11.859 



$361,363,480 



$3,593,777 
3^,935 

1,178454 



81,881 

79.780 

70.960 



$4,333,187 



$365,596,667 



$8,634,400 

3.73;,3?9 

4.x68/)00 

38,382 

3.548.950 



494,088 

1.913.550 

1.137,935 

8,080.631 

50,000 

4,903.818 

8o8/>7S 

885,030 

568.935 

X,XSl'.8S9 
98.430 

159,373 
473,100 

379.373 

587.875 
6.000 
8,500 

50,000 

X0.800 
83,500 
39.632 
xo,ooo 

7.750 



400 
30,000 



$35,415,444 

•13.500 
»9^8oo 



10,000 



$ai6,3oo 



$3S.^i,74< 



a Includes accidsat bnach 



LIFE INSURANCE RATIOS. 



355 



Admitted Assets. 

mitted Assets of the actire life insurance companies of the United States on January i, 1891; 
panies in the 



Premina 
Notes aad 



1. 688. 179 

5.155.103 

603.742 

1,433.361 

878.194 

976.940 

1.084.366 

926,731 



394.575 
834.437 
644.564 
409,804 
1,167,831 
181.777 
505.715 

418.130 

133.264 

3^.107 

68,933 

& 

1x3,071 

47.255 

3.750 

34.453 

711 

I.30O 

8.343 

58^441 



23.499 

5. 133 



545 
3.017 



♦x9.574.853 



$135,116 

1.704 

180,848 

30.733 



$328.390 
$»Z9*903*242 



Cash in 

Office and 

Bank. 



$3,556,442 

11.968,533 

6.5d8.934 

661,467 

813,33^ 

907.458 

3.096,933 

375.666 
76,319 
aoi.^34 
203.679 
316,199 

234979 
135.293 



119.069 
113,189 

69,330 
116,763 

33,099 

42,137 
43,873 



$31,639,790 



$333,648 
317.997 

52.457 
46.728 

76,193 

34.227 

10.341 

7,023 

$777.613 
$33,417,403 



NetDelwred 

aadUnpeid 
Piemsuma. 



$3,588,740 
1,676.404 
3,633,134 

137.342 


$1,058,679 


354.g9 
1,0061764 


445.547 


673.307 


896.033 


515.151 
486.955 


388,578 


5^:2g 


I76',9b8 


407.384 


130.739 


mn 


103.796 
112,529 


« 


204.^5 
H3.111 



83,538 

219.251 
136.^ 
341123 
203.175 



XZ8.4I8 
113.324 
187.452 

Z60.316 

47.160 
46.452 
27.707 

15.126 
6.379 

1.142 

18.379 

X0.957 

119.090 
45.061 

%' 

507 



$13,381,176 



$40,736 

88.951 
60,538 

4.898 
6.633 

5.643 

$369,046 

$13,650,333 



AU Other 



i7i!8o8 

33.981 

126.493 

172,499 

73.227 

68.000 

67.556 
50.848 
87.412 
69,181 
42.653 
75.504 
20.933 

8,000 
5.583 
19.844 

1.781 

4.137 

44.619 

3.477 

4.223 

852 

133 



$6,794,372 



$110,775 

47.750 

50.595 

7,544 

4.463 

3,050 

891 



$334,068 
$7,018,440 



Total 

Admitted 

Asiett. 



115.093.966 

58,741,243 
46,997,433 

42.338.259 
3S.993.co3 

31.015,948 
18,606,619 
16.485.438 
15.736,711 

13.381. 660 
ZI.353.640 
10,741.899 

10.466,489 
10,010,000 

7.208.949 
6.763.8A5 
6,614,487 
6,469.483 
6.396.572 

6,303,768 
4,700,734 
3.976,469 
2.239.709 
3,053.896 
1.795.033 
1.579.299 

I.500,IIT 

805,735 
765.319 
454.506 
409.548 
387.852 
375.229 

321.439 

319,316 

178,791 
171.159 
136.414 

50.344 

11.641 



$749,921,690 



$10,781,173 

5,084.895 

3.967.910 

508,113 

323.735 
139.690 
132.192 
113,664 

$31,050,371 

$770,973,061 



I Not 
Admitted. 



$868,017 

40,800 
112,959 
239.659 

72,145 

107,<>49 
141.816 
191.369 

93099 

66.701 

84,833 

133.106 

136,139 
20,635 
73,363 
80,361 

300,470 
85.400 



$6,444,031 



$10,181 

75771 

35.615 

7.905 

10.365 



3,700 
^312 

$' 46.749 

$6,590,770 



January i, zSgo. 



Admitted 
Assets. 



$135,638,539 
195 361.360 

45.236,963 
37.107.930 
34.741.130 

20.583,957 
16.946,145 

15.093.494 
14,835,967 
iz.739.400 
10.415.818 
zo,oz9,368 

g.656,148 
10,003.743 
6.694.30s 
5.917.195 

5,659,304 

6.157.343 
4.393.249 
2.589.257 
3,111.318 
l,9Zo,786 
z, 62a. 195 
x.608.534 

z,A47,3Z9 
676,540 
714193 
379.435 
409.269 
396.472 

372.0Z3 

127.531 
176,104 

164.549 

152.559 

114.078 

35.016 

3.796 



$697,533,105 



$8,597,469 

3.924295 

3,548.080 

474.235 

153.36a 
132544 

(^) 
107.864 

$16,936,839 

$714,469,944 



Rank. 



I 
3 
3 

4 

I 

7 

8 

9 
zo 
zz 

Z3 

13 

14 

z6 
15 
17 

30 
33 
Z8 
31 

19 
23 
24 
25 
36 

27 



29 
31 

30 
34 
32 
33 
35 

36 

32 
38 
40 

41 
42 



7 



Oommenced business in zFqo. 



356 



LIFE INSURANCE RATIOS. 



Exhibit IV.— Real Estate. 

Giving the Rank of the varions companies in valae of Real Estate absolatelj owned 
January i, 1891, and the rank in percentage of Real Estate to Admitted Assets, also showing 
the same items at January i, 1890 : 



Rank. 



7 

8 

9 
10 

iz 
12 
13 

15 
16 

II 

19 
ao 

ai 

23 

33 

24 
as 



29 
30 



31 
3a 
33 
34 



Name oi^ Company. 



Equitable. New York. 

New York Life 

Mutual, New York.... 
Connecticut Mutual . . . 
Germania 



New England 

Provident L. and T. 

Phceniz Mutual 

Itavelers 

Northwestern 



Union Mutual.. 
Penn Mutual . . 
Mutual Benefit. 

iEtna Life 

Washington 



Massachusetts Mutual. 

Beikshire 

State Mutual 

Brooklyn 

Manhattan 



Total AiMtt, 
Jmii. 1, 189X. 



— s 

116.887.786 

"5.093.966 

146,494.180 

58,741.243 

IS.736.7" 

21.015,948 
18.606.619 

lO.OIO.COO 

10,466,489 
4a.338.as9 

6.203,768 
16.485.438 
46,997.422 
35,993,002 
10,741.899 

11.252,640 
^,700,724 
6.396.57a 

12.281,660 



Pacific Mutual 3.239 709 

National of Vermont 6,763,845 

Union Central | 6,614,487 

Home Life 7.208,949 

Michigan Mutual 2.976,409 



United States ,.. 

Connecticut General. , 

Maryland 

Provident Savings... 
Vermont 



Covenant Mutual 

Presbyterian Ministers. 

German Mutual 

Mutual of Kentucky 

Equitable of Iowa 

Mutual of Baltimore . . . 



Commercial Alliance. 

Imperial 

Lite Ind. and Invest. . 

Bankers 

Royal Union 

Register L. and A . . . 



Aggregates. . 



Indusirud Comfames : 

Metropolitan 

Prudf'ndal 

John Hancock , 

Life Insurance Co. of Va.. 

U. S. Industrial 

Peoples 

Sun Life 

Western and Southern 



Aggregates 

Combined Aggregates. . 



6.469.483 
2.052,896 
1,500.111 

^5735 
387.85a 

37S.aa9 
454.506 
409.548 
1.795.023 
765.319 
178,791 

3ai.439 
219,2x6 

171.159 

126,414 

50.244 

11.641 



749.931.690 



10,781,173 

5.084,895 

3,967.910 

508.X12 

323.735 
139.690 
132.192 
112.664 



Real Estate 

Abwlutely 

Owned. 



1 

a7.i59.037 
14,341,917 

1,862,163 

1.710,335 
1,151.550 
1,149,819 
1,142,672 
997.106 

978.997 
958.851 

860,454 
628,661 

515.175 

501,182 

451.015 
390,000 

364.913 
297,620 

343.876 
226,101 

198.343 
168.300 

163,519 
156,304 

37.650 
34.867 
23.806 
17,804 
7.945 
2,000 

None. 

None. I 

None. 

None. 

None. 

None. 



78,216.098 10.43 



Ratio. 


A4 


% 




33.34 

12.40 


X 

6 


9.20 


14 


13.04 


5 


11.83 


7 


8.14 


15 


6.19 


'Z 


11.49 


8 


10.92 


9 


a.35 


a9 


15.78 


3 


5.82 


19 


1.B3 


31 


iS 


3a 

34 


9.00 


35 
12 


6.10 


18 


23.11 


2 


2.4a 


28 


10.89 


xo 


3-34 


26 


300 


37 


a.33 


30 


5-49 


22 


2.42 


28 


1:1? 


33 
21 


9.40 


13 


14.91 


4 


10.03 


II 


7.67 


16 


581 


20 


0.99 


35 


1.04 


34 


1.12 


33 




:; 



1,365,613 

635,Oji4 

585.780 

6.060 

None. 
None. 
None. 
None. 



11.74 

12.29 

14.76 

X.X9 



31.050.371 



770,973.061 



2.482,497 1X.79 



80.699.595 



10.47 



Jamuaky 1, 1890. 



Real 
Estate. 



8.556. 

1,634, 



34.653.906 
13.343.872 
12,382.623 
8.556.307 
' 858 

1,697,420 
1.079.719 
1.337.833 

x,o5X,762 
x,x88.63i 

1,143.220 

8x3,809 

x.070,119 

614.341 
439.173 

459.318 
435900 
386.000 
334.800 
276,4x6 

118.660 
181.225 
173.318 
168.300 
137.793 

105,250 

125,264 

83.695 

35 449 

35.;V5 

53.850 
33.367 
38.307 
17.806 
6.999 
43.609 

None. 
None. 
None. 
None. 
None. 
None. 



74,006.733 



493.89a 
363.023 

414.799 
6,02a 

None. 
None. 

None. 



1.377.736 



75.284,469 



Ratio. 



2.S 

14.78 

11.03 
6.37 

12.27 

X0.89 

3.20 

18.57 

539 
a37 
1.77 
4.38 

9.69 

6.8a 

'•0.81 

2.36 

55 
3.06 

3.17 
a. 51 
5.33 

1.68 
6.56 
5.78 

6.92 

0.98 
96.51 



za6x 



574 
995 
X1.70 

1.97 



(0 



754 



10.54 



c CommeBced bosineM in 1890. 



LIFE INSURANCE RATIOS 



367 



Exhibit V.— Mortgage Loans. 

Giving the Rank of the varions companies in amount of Mortgage Loans held by them 
January i, 1891 : also the percentage of such Mortgage Loans to Admitted Assets, together 
with the same items at January i, 1890 : 



Rank 



I 
9 

3 

4 
5 

6 

7 
8 

9 
10 

II 

13 
13 
14 
IS 

16 

17 
18 

19 

ao 



23 
24 

25 

a6 

27 
a8 

29 

30 

31 
?» 

33 
34 

36 



39 
40 

41 
42 



Namb of Company. 



Mutual, New York 146,494.180 



ToUl Asiets, Bonds and 
Jan. 1, 189 1. Mortgages. 



Connecticut Mutual 

Northwestern 

Equitable, New York 
Mutual Benefit 



58.741.243 

46,997.422 



New York Liiie 115.093.966 

£t')aLife 35.993. 

Washington 10,741.899 

Prondent L. and T | 18,606.619 

Germania. 15,736,711 



Phoenix Mutual . 
Penn Mutual. . . . 
Union Central.. 
Masfachusetts Mutual., 



10,010.000 

16.485.438 

6,614.^7 

11,252,640 

United States 6,669.483 

Manhattan I 13,981.660 

Travelers | 10,466.489 

New England ! 21,015,948 

National of Vermont < 6,763,845 

Berkshire | 4,700,734 

Michigan Mutual 3,976,469 

Home Life 1 7,308,949 

Mutual of Kentucky z.795 023 



Connecticut General. 
Union Mutual 



Pacific Mutual 

State Mutual 

Brooklyn.... 

Equitable of Iowa. 
CSennan Mutual. . . 



Maryland 

CoYenant Mutual 

Vermont , 

Commercial Alliance. 

Life Indemnity 

Imperial 



Provident Savings 

Frfsbyterian Ministers. . 

Bankers 

Royal Union 

Mumal of Baltimore. . . 
Register L. and A 



Aggregates. 



2.052, 
6,203,768 

2.239.709 
6.396.572 
1.579.299 
765.319 
•409.548 

1.500,111 
375.229 
387.852 
321.439 
171.159 
219,316 

805.735 
454.506 
126.414 

50.244 
178,791 

11,641 



Indmsirial C^mpanits : 

Metropolitan 

Prudential 

John Hancock 

Life Insurance Co. of Va.. 



U. S. Industrial 

Western and Southern. 

SunUfe 

Peoples Industrial 



749,921,690 



10,781,173 

5.084,89s 

3,967,910 

508,113 

323.735 
113,664 
132,193 
139.690 



Aggregates 

Combined Aggregates. . 



21,050.371 



770i972i06i 



$ 
63.016,159 
35.674.586 
35.455.65^ 
34,407,388 
24.398.x33 

19,446,083 
17.308.560 
|.978.993 

8! 182,726 

6,261.706 
5.433.459 
4.314.57s 
3.974.526 
3.738.469 

3,689321 
3.227,143 
3.050.545 
3,967.492 

2.525.455 

2.234,835 
1,485.050 

i.3«5.075 
1.380.531 

1.376.755 

1,290,081 

1.117.959 

529.045 

521.783 

362,965 

353.333 
256.290 
237,520 
135.500 

131,0X6 

1 1 1. 465 
107.900 

88.350 
74.000 

42.785 
23,000 

5.884 



Ratio. 



297,547.488 



6.(^8,125 

3.682,797 

1,638 025 

360.900 

146,900 

100,000 

50,000 

17.000 



12,053,747 



309.601,235 



% 
4304 
60.74 

51.92 

16.89 
48.10 
83.59 
44-31 
52.01 

68.56 

05.33 
35.32 
57.79 

30.04 
30.83 
14.51 
43.88 

53-73 
74-74 

30.60 

7717 
67.36 

32.30 

57.61 
17.48 



2i;P 
58.67 
43.39 
70.18 
5084 

1339 
1944 
59.01 

85.15 
13.87 

50.54 



39.68 



56.18 

7444 
41.38 

71.04 

37.82 
13.17 



i5 



January 1, 1890. 



Bonds and 
Mortgages. 



57-26 



40.16 



56.079.390 
32.890.542 
30.033.434 
23.637.874 
33,260,431 

18.106,512 

16,044.317 

8.234.343 

7.553.159 

7.347.814 

6.549.468 
4,499,206 
3.837.383 
3.576.258 
3.516,334 

4,130,431 
3.344.72a 
3.900.465 

3!$8i3i6 

3.017,403 
1. 381. 650 
i,334.45(; 
1,384,060 
1,331.406 

1.386.578 
976.059 
529.445 
50S.217 
358.293 

356.191 
239.293 

229.541 
100.000 
114.265 
104.173 

125,800 
105.350 
41,104 
31.285 
20.000 
2,900 



Ratio. 



272.836,153 



5,030.340 

2,873.708 

1.593 740 

283.796 

53.000 
100 000 

17,000 



9.950.484 



382,786.637 



% 
42.00 
56.84 
80.94 
33.44 
49.31 

^6.18 
83.19 
44-57 
49-53 

6548 
39.81 
68.83 
34-34 
56.11 

35 »3 
3464 
1409 

56.64 

77.91 
19.15 
75.48 
67.20 
21,62 

65.66 
17.26 
34.78 
70.74 
87.54 

24.61 
6427 
5790 
78.41 
7490 
59- "5 

18.59 
27.76 
3603 

8934 
12.15 
76.40 



•So 
I- 



39.12 



58.51 
7323 
449a 

5963 

34-79 
92.71 

12.83 



58.76 



3960 



c Commenced business in i8go. 



358 



LIFE INSURANCE RATIOS. 



Exhibit VI.— United States Securities. 

Giviog the Rank of the companies in amount of United States Bonds and Securities held 
January i, i8qi ; likewise the rank and percentage of United States Bonds, etc, to Admitted 
Assets, together with similar items at January i, 1890. 



Rank. 



7 
8 

9 

xo 
II 

IS 

13 
14 

x8 

19 

20 
21 



Name of Company. 



Home Life 

iGtna Life 

Equitable, NewYoik. 

New York Ufc 

Mutual, New York... 

Germania 

State Mutual 

New England 

Berkshire 



Manhattan 

Penn Mutual 

Northwrstcrn 

National of Vt 

Providpnt Savings . . 
Connecticut Mutual. 

Union Mutual 

United States 

Phoenix Mutual 



Total Asseu 
Jan. I, X89Z. 



Union Central 

Mutual Benefit 

Michigan Mutual 

ProYident L. andT. 
Massachusetts Mutual 

Washington 

Tr velers.. 

Pacific Mutual 



Connecticut General. . 
Mutual of Kentucky. . . 

Brooklyn 

Maryland 

Equitable of Iowa 

Presbyterian Mmisters. 

German Mutual 

Vermont 



Covenant Mutual. ... 
Commercial Alliance. 

Imperial 

Mutual of Baltimore. . 
Life Ind. and Invest. . 

Bankers 

Royal Union 

Register L. and A. . . . 



Aggregates. 



IndMstrial Companiis. 

Metropolitan 

Prudential 

Life Ins. Co. of Va. . . . 

John Hancock 

U. S. Industrial 

Peoples Industrial 

Sun Life 

Western and Southern, 



Aggregates 

Combined Aggregates 



7.208.949 

ii6*,887!786 

"S.093.966 

146,494,180 

1S.736.711 

6.396.57* 

21,015,948 

4,700,724 

12,281,660 

16,485,438 

4a.338.a59 

6.763.845 

805,735 

58,741,2^5 

6,203,768 

6,469^3 

10,010,000 

6.614,487 
46.997,422 

18,606,619 
11.252,640 
10.741.899 
10,466,489 

3.a39.709 

2,052.896 
1.795.023 

1.579399 
1.500,111 

765,319 
454.506 
409.548 
387.853 

37S.aa9 
331.439 
210,216 

178,791 
171. 159 
126.414 

50.344 
11,641 



U. S. Stocks 
and Bonds. 



749,921,690 



10,781,173 
5,084.895 
508,112 
3.967,910 
333.735 
139.690 
132,192 
112,664 



21.050.371 



770.973.06l 



1,322.500 
954.938 
884,050 
882,175 
337.40a 
181,110 
178,500 
169.400 
146.400 

138.875 
133.100 

131.331 

124.950 

121.000 

118,000 

61,000 

60,750 

30.375 

12,250 
8,970 

None. 
None. 
None. 
None. 
None. 

None. 
None. 
None. 
None. 
None. 
None. 
None. 
None. 

None. 
None. 
None. 
None. 
None. 
None. 
None. 
None. 



Ratio. 



% 
18.34 
2.65 
076 
0.77 
0.22 

1.15 
279 
0.81 
3.11 

0.81 
0.31 
1.85 
15.02 
0.20 
0.98 
094 
0.30 

019 
0.02 
0.06 



5,988,990 



340.893 

121,000 

3.630 

None. 

None. 

None. 

None. 

None. 



465.533 



6,454.513 



Rank 

in 
Ratio. 



0.80 



316 
2.38 
0.71 



0.84 



I 

5 

13 

12 

16 

7 

4 

II 

3 

8 
II 



2 
17 

9 
10 

15 

18 

20 
19 



Januabv I, iSgo. 



U. S. Stocks 
and Bonds. 



1,538.500 
1,087,700 
794,000 
922.900 
806,400 
186,480 
186.000 

. flt^.IOO 

315.000 

633.750 
1^.600 

134.019 

132.300 
None. 

134,500 
63.500 
54.625 

140,415 

12,660 

746.869 

1.849 

365.750 

None. 

None. 

None. 

None. 

None. 
None. 
io<,ooo 
None. 
None. 
None. 
None. 
None. 

None. 
None. 
None. 
None. 
None. 
None. 
None. 
None. 



8^5.917 



3S0.7SO 

380,250 

3,810 

None. 

None. 

None. 

None. 



Ratu>. 



734.810 



9,420,727 



Rank 

ia 
Ratio 



% 
92.83 

3.13 
0.7S 
0.88 

059 
1.96 

339 
1.00 

7.17 

S-40 i 
092 
0.36 I 

2.24 I 



0.22 
1.03 
0.87 
1.40 

0.23 

165 
0.07 
3.16 



6.53 



I 



1.94 



969 
0.80 



Kc) 



4-34 



1.31 



c Commenced business in 1890. 



LIFE INSURANCE RATIOS. 



359 



Exhibit VII.— Stocks and Bonds. 

Giving the Rank of the various companies in the amount of Stocks and Bonds held (United 
States Bonds not included) January i, 1891, together with the percentage of such amounts to 
Admitted Assets ; also similar items at January i, 1890. 



Namb op Company. 



Total Assets 

Jan. If xSgx. 



Other Stocks 
and Bonds. 



Ratio. 



Rank 

in 
Ratio 



January i, 1890. 



Other Stocks 
and Bonds. 



Ratio. 



Rank 

in 
Ratio. 



New York Ufe 

Mutual, New York... 
Equitable, New York. 

New England 

Connecticut Mutual. . 

iEinaLife 

Mutual Benefit 

Provident L. andT.. 
Penn Mutual 



Germania 

Maraachuaetts Mutual 

Travelers 

State Mutual 

Norihwestero , 

Union Mutual , 

National of Vermont . . 

Home Life , 

Manhattan 



United States 

Phoenix 

Maryland 

Berkshire 

Brooklyn 

Washington 

Connecticut General. 
Provident Savings 



Presbyterian Ministers. 

Pacific Mutual 

Mutual of Kentucky. . . 

Equitable of Iowa 

Vermont 

German Mutual 

Life Ind. and Invest. . . 
Mutual of Baltimore. . . 



Union Central 

Michigan Mutual. . . . 
Covenant Mutual .... 
Commercial Alliance . 

Imperial 

Bankers 

Royal Union 

Register L. and A — 



Aggregates. 



Industrial Companies, 

Metropolitan 

John Hancock 

Prudential 

U.S. Industrial 

Peoples 

Sun Life 

Life Ins. Co. of Va.... 
Western and Southern 



Aggregates... 
Combined Aggregates 



$ 

146404,180 
x16.887.786 
91,015,948 
58,741,243 
3S.993.oo3 
46.997,429 
18,606.019 

16,485,438 

15.736,7" 
11,353.640 
10,466,489 
6.396.57a 
43.338,359 
6,303,768 
6.763.845 
7.308.919 
i3,a8T,66o 

6.469.483 

ZO,OIO,000 

1,500.1x1 

4.700,794 

1.579,399 

10,741,899 

3.053,896 
8P5,73S 

454.506 
2.339,709 
1,795,033 
765.319 
387,853 
409.548 
171.159 
178,791 

6,614.487 

3,976.469 

375.339 

331.439 

919,3X6 

136,4x4 
50.344 

II.64X 



$ 

66,^,8x0 
53.809,385 
46,799,036 

I3,69x,8i6 

",733.757 
ix,3XX,xo9 

11.094.735 
6.384.355 

6,055.474 

4,5x7,368 
4,363,305 
4,X76,8o4 
3.584.040 
3,833,796 
3.684,470 
3,333.063 
3,xoi.356 
x,838,034 

x,836.43i 
X,x66.7i9 
937.943 
580,354 
431.758 
4356x3 
365.355 
3M.751 

389.513 
388,060 
143.095 

X33.X88 

53.953 
X3.860 
11.859 

6,300 

None. 
None. 
None. 
None. 
None. 
None. 
None, 
None. 



749.931,690 



xo,78x.X73 
3.967,9x0 
S.084.895 
333,735 
139.690 
133,193 
5o8,xx3 
1x3,664 

3X,o5o.37x 



36X, 363,480 



3,593777 
1.178.454 

79.780 
2*960 
None. 
None. 

4.333.187 



31-43 
33.01 



34.85 



34.06 
9971 
4.50 
35.XX 
5713 
53-68 



4 

X3 

7 
3 

3X 

15 
30 

14 

xz 

17 

10 
8 
5 

^\ 
11 

34 

x8 
38 
3 
37 
19 
33 



X 

36 
39 
33 
35 
34 
30 
33 



59,515543 
49 517.070 
39,333,386 
13.799,643 
11.930.047 
xo.078,X37 
XX, 139.693 
6,195,090 
6.483.548 

4,863,i6x 
4. 199,48$ 
3,7^ix.9o8 
3.38x,o6o 

1.943,839 
9,476,335 
3^x,657 

1.931.535 
X, 403,873 

i.974»448 
83X.33X 

435.315 
492.613 
308,438 
339.948 

337.688 
X89.X33 

XI 8^638 

46.703 
y.033 

None. 
6,xso 

None. 
None. 
None. 
None. 
x,o8o 
None. 
None. 
None. 



57.00 


5 


36.51 


X9 


37.33 

03. X9 


IX 

X 


30.63 


8X 


99.OX 


x6 


49.96 


90 

13 

7 


2875 


18 


57'^ 


9 
10 

4 


534 


3? 


4033 


8 


^%. 


14 
17 


XX.96 


34 


31.51 


15 


6oil^ 


39 

9 


XX.08 


36 


36.43 


19 


X6.X4 


31 


"i 


50.25 



60.0X 

8.96 
8.97 

x6 6i 

XI.78 

3.X8 

3.74 



060 



938.448,X38 



3,231 .3x3 
X.II3.935 

I«3,000 

None. 

83.X30 

None. 
None. 



3419 



35.95 

3137 

331 

6x'.96 
(0 



3.556.268 



. . 77o.973,o6x 



265.596.667 



34.45 



343,004,406 



33.87 



35 
33 

39 



34 



3 

9 

4 

X 



c Commenced batinea in 1890. 



360 



LIFE INSURANCE RATIOS. 



Exhibit VIII —Collateral Loans. . 

Giving the Rank of the companies in aooount of Collateral Loans, January i, 1891 ; also 
the Rank of the companies in Percentage of Collateral Loans to Admitted Assets ; oompaied 
with similar items at January i, 1890. 



Rank. 



8 

9 
10 
II 
la 
13 
14 

\l 

17 

18 

19 
19 
20 

31 
33 
23 
34 

37 
38 

39 
30 
31 



Name of Company. 



Mutual. New York.... 

ManhAltan 

New York Life 

Equitable, N. Y 

Mutual Benefit 

Penn Mutual 

New England 

Home Life 

ProTident L. and T. . . . 

Mass. Mutual 

Berkshire 

1 ravelers 

iEtnaLife 

State Mutual 

Union Mutual 

Washington 

United States 

National of Vermont. . 

Germania 

Brooklyn 

Equitable of Iowa 

Connecticut Mutual. .. 

Bankers 

Provident Savings .... 
Connecticut General... 

Maryland 

Presbyterian Ministers. 
Vermont 

Michigan Mutual 

Mutual of Kentucky. . . 

Pi4cific Mutual 

Mutual of Baltimore. . . 

Nonhwestem 

Phoenix Mutual 

Union Central 

German Mutual 

Covenant Mutual 

Commercial Alliance.. 

Imperial 

Life Ind. and Invest... , 

Royal Union 

Register J... and A 

Aggregates 

Indvstrial Companies, 

Jotin Hancock 

Metropolitan 

U. S. Industrial 

Prudential 

Lifelns. Co. ofVa.... 

Peoples Industrial 

Sun Life 

Western and Southern. 

Aggregates 

Combined Aggregates 



Total. 
Jan. X, 1891. 



146,494.180 
13,381,660 

"S.093.9^ 

116,887.786 

46.907,433 

16,485,438 

31,015.948 

7,308,949 
18.606.619 
11,353,640 

4.700.734 
10,466,489 
55.993.003 

6,396.573 

6,303.768 
10,741,899 

6.469.483 

6.763.845 
15.736.7" 

1.579.399 
765.319 

58,741.343 
136,414 

3.053,896 

1,500.111 

454..S06 

387.853 

3.976,469 

1,795.033 

3,339,709 

178,791 

43.338.359 

10,010,000 

6,614,487 

409.548 
375.339 
331.439 
319,316 

171.159 
50.344 
11,641 



749,931,690 



3.967.910 

10,781.173 

333.735 

5.084,895 
5o8,H3 
139.690 
133,193 
113,664 



31,050,371 



770,973,061 



Collateral 



$ 
8,634.400 
4.93^818 
4,168.900 
3.738.379 
3.548.950 
3,080,631 
1,913.550 

1,151.859 

1.137.935 

808.075 

587.875 
568.935 
494.O88 
473.100 

379.373 
385.030 

159.373 
98.430 
50,000 
50,000 
39.633 

38,283 
30,000 
33,500 
10.739 

10,300 

10.000 

7.750 

6.800 

6,000 

3,500 

400 

None. 
None. 
None. 

None. 
None. 
None. 
None. 
None. 
None. 
None. 



Ratio. 



35.415,444 



193,800 
13.500 
10.000 

None. 

None. 

None. 

None. 

None. 



316,300 



35,631,744 



% 

S.89 

40.09 

3.6s 

3.30 

13.63 
9.10 

7.18 
13.51 

5-44 
1-37 
7.40 

6.13 

3.65 
3.46 
1.46 
0.33 

3.17 
518 

0.07 
33.93 
3.79 
0.5a 
0.68 

3.30 
3.00 

0.38 
030 
O.II 
0.33 



4.73 

4.86 
O.I3 
3.09 



1.03 



4.63 



Rank 

in 
Ratio. 



13 

i 

7 

% 

3 
II 

9 

5 

13 

10 
19 

30 

'd 

17 
14 

33 

3 
18 
36 

35 
31 
33 

37 
30 
31 
39 



Jakuaxv z, 1890. 



CoUateral 



9.845.500 
3.831.56a 
3,709,000 
3,705.000 
3.060,34s 
1,493,3X7 
1.034.968 



30.475.161 



109,800 
None. 

5.000 
None. 
None. 
None. 



Ratio. 



7.36 
33.58 
3-SS 
3.57 
6.77 
9.89 
S03 

13-91 
6.83 

313 

\% 

4.80 
S.04 

2.II 

1.64 

3.70 

O.QA 
0.56 

O.II 

53.94 
4.06 

0-39 

S.64 
0.78 

0.39 

O.I3 
0.33 
0,07 



li: 



1x4,800 



30,589.961 



4-37 

3-09 
3.^8 



. a68 



4.38 



Rank 



c Commenced business in 1890. 



LIFE INSURANCE RATIOS. 



861 



Exhibit IX —Premium Notes and Loans to 
Policyholders. 

Giving the Rank of the various companies in amount of Premium Notes and Loans to 
Policyholders January i, 1891 ; also the Percentage of such Notes and Loans to Admitted 
Assets, and a comparison with a similar percentage at January i, 1890. 



Name of Company. 



Mutual Beoefit 

Conneccicut Mutual. . . 

^tna Life 

Union Central 

Peon Mutual 

Provident L. and T... 
Massachusetts Mutual. 

New England 

Pkoeniz Mutual 

Manhattan 

Home Life 

Northwestern 

State Mutual 

New York Life 

Union Mutual 

National of Vermont. . 

Travelers 

Germania. 

Micbisan Mutual 

United States 

Berkshire 

Brooklyn 

Mutual of Kentucky. . . 
Connecticut General. . . 

Pacific Mutual 

Covenant Mutual 

Maryland 

Equitable of Iowa 

Mutual of Baltiuiore. . . 

Vermont 

Life Ind. and Invest. . . 

Provident Savings 

Register L. and A 

German Mutual 

Presbyterian Ministers. 

Royal Union 

Mutual. New York.... 
Equitable. New York.. 

Washington 

Commercial Alliance. . 

Imperial 

Bankers 



Aggregates 

Imdustrial Companies, 

John Hancock 

Metropolitan 

Lilelns. Co. ofVa.... 

Prudential 

U. S. Industrial 

Peoples Industrial 

Sun Life 

Western and Southern. 



Aggregates 

Combined Aggregates. 



Total AsMts 
Jan. X, 1891. 



% 
46.997,422 

S8.74i.a43 
3S.993.00a 

6,614,487 
16..18S.438 
18,606,619 
11,252.640 
ai.OX5.948 
10.010,000 
12,281.660 

7,208.949 

43.338.259 

6,396.57a 

"5.093.966 

6,203.768 

6,763.845 
10.466.489 

15.736.7" 
2.976,469 
6.469.483 
4.700.724 

1.579.299 
1.795.023 
2.052.896 
2,239,709 
375.229 
1.500. 1 II 

765.3«9 
178.791 
387.852 
171.159 
805,735 
11,641 
409.548 
454.506 

50.244 

146.^94,180 

x16.887.786 

10,741.899 

321.439 
219 2x6 
126,414 



749.921,690 



3,967.9x0 

xo.78x,i73 

508,112 

5.084.895 
323.735 
139.690 
132.192 
XX2.664 



21,050,371 



770.972.061 



Premium 
Notes. 



4.195.659 

1,688.179 

X,xo9.096 

783.704 

557.6x9 
33046 
566,255 
872,794 
8x0.402 
808,462 
581.194 
602,742 

146.38I 

431.109 

4x8,130 

67,422 



5.337 
181.777 
133.264 
76,6x4 
74.091 
54.985 
42.679 
38.992 
30,164 

4.477 
33.380 

1.023 

5.133 

3.0x7 



545 



14.355.73a 



xis!6i6 
14.463 



2x4842 



H.570,574 



to PoUcy- 
holden. 



$ 
959.444 

314.166 
384.137 
Sa6.747 
944.900 
360.476 
5.400 
4.975 

63.370 
359.334 



343.382 
394.575 
363,574 
230,770 



35.457 

4.135 

19.520 

26,253 

19.449 

17,091 

29;976 

1x9 

7,2x9 

3.750 

1.200 
7x1 



5,2x9,120 



96.085 
9.500 
6.259 
1.704 



"3.548 



5.332,668 



Premium 

Notes and 

Loant. 



19.574.853 



X80.848 

xa5.xi6 

20,722 

None. 
None. 
None. 
None. 



338,390 



19.903.243 



% 

x^;ll 
6.58 

6!58 
8.94 
X.42 
7.91 
0.37 
6.74 
6.06 
2.8x 
X.67 
7-93 

2.8[ 

2.83 
7.X0 

3.08 
15-57 
3-15 
4.50 
13- 14 
2.13 
3.00 
0.46 

3591 
0.29 
0.16 
x.c8 



2.6: 



4.56 
x.x6 
4.08 
0.03 



1.56 



3.58 



Jan. X, X890. 



% 
XI. 19 

3.13 
4.60 

IS 

8.83 

7.2Q 
9.28 
X89 
7.41 
0.35 
7.47 
539 
3.35 
1.48 
6.97 
2.76 
307 
782 
5.04 
4.00 
3.84 
1629 

3.39 
5.03 
1357 
3.14 
6.53 
0.52 

034 
0.28 
0.83 



2.77 



4.6a 

x8.xo 
o.ox 



kc) 



2.24 



2.76 



4 
35 
20 

i 

7 

XQ 
6 

XX 

5 
39 

XO 

33 
9 
15 
28 
30 
12 

37 

26 

8 

x6 

21 
22 

2 
33 
17 

3 
34 
14 



{c) 



c Commenced busiaem in 1890. 



362 



LIFE INSURANCE RATIOS. 



Exhibit X.— Cash on Hand. 

Giving the Rank of the companies in the amount of Cash in Offices and Banks on Janaarj 
I, 1891 ; also thr Percentage of such amount to Admitted Assets and a comparison with simi- 
lar items at January i, 1890. 



Rank. 



8 

9 
10 
II 

13 
13 

11 

17 
18 
19 

ao 

31 



33 
24 

U 
% 

39 
30 
31 
3a 

33 
3^ 
35 

36 

39 
40 
41 
4a 



Namb of Company. 



Equitable, N.Y.... 

New York Life 

Mutual, New York . 

iGina Life 

Northwestern 

Mutual Benefit 

Travelers 



Connecticut Mutual . . . 

Union Central 

National of Vermont . . 

Phoenix Mutual 

New England 

Massachusetts Mutual . 
Manhattan 



Germania 

Penn Mutual 

Washington 

Union Mutual .... 

Pacific Mutual 

Betkshire 

Provident Savings. 



State Mutual 

Home Lite 

Provident L. andT... 

United States 

Michigan Mutual 

Commercial Alliance . 
Mutual of Baltimore. . 



Imperial 

Brooklvn 

Mutual of Kentucky. . . 

Ma yland 

Connecticut General. . . 
Lite Ind. and Invest. . . 
Presbyterjan Ministers. 



Bankers 

Vermont , 

Roval Union 

Covenant Mutual . , 
Equitable of Iowa. . 
Register L. and A. . 
German Mutual..., 



Aggregates 

Industrial Compames, 

Prudential 

Metropolitan 

U. S. Industrial 

John Hancock 

Life Ins. Co. of Va. . . 

Peoples Industrial 

Sun Life 

Western & Southern . 



• Aggregates 

Combined Aggregates 



Total AtMU, 
Jan. z, 189X. 



116.887.786 
"5.093.966 
146.494.180 
35,993003 

4a.338.a59 
46.997.4aa 
10,466,489 

S8.74i.a43 
6,614,487 

6,763.84s 
10,010,000 
31,015,048 
11,353.640 
[,660 



13,3 

15.736,7" 

16.485.438 

10,741,899 

6.303,768 

a.a39.709 

4.700.794 

805,73s 

6,396.573 
7,308,949 
18,606,619 

6,469.483 
3,976,469 

3ai,439 
178,791 

319,316 

i.579.a99 
i.795.oa3 
1,500,111 
2,053.896 

171.159 
454.506 

136,414 
387.85a 

50,344 
375.aa9 
765.319 

11,641 

409.548 



749,931,65,0 



5,084,895 
10.781 173 

333.735 
3,967.910 
508,113 
139690 
13a. 19a 
113.664 



81,050,371 



770,973,061 



Cash in 
Offices aad 
Banks. A 



$ 
II 968,533 

6.348.984 

3 556,44a 

3,096.933 

907.458 

813,333 

718,373 

661.467 
407.866 
351.587 

383.^ 
375,666 

834.979 
316,199 

303.679 
301434 
135,393 
119,069 
116.763 
113,189 
91.155 

85,358 
83,088 
76,319 
70.077 
69,330 
65.068 
63,146 

58,553 
43.873 

43,137 
35.375 
32.099 
31,165 
3o,SSS 

12,840 
6.440 
5.351 
5.051 
4.348 
3. no 
1,109 



31.639.790 



3x7.997 

332.648 
76.193 

58.457 
46,738 
34.387 
10,341 
7,023 



777613 



32,417,403 



Ratio. 



% 

1034 
553 
3.43 
8.60 
2.14 

I-I3 
6.17 
5.30 
3.33 

I.3I 

3.09 
1.76 

1.39 

1.22 
I.I7 
1.92 

5.8I 

8 39 
11.31 



1.33 


30 


I.I4 


35 


0.41 


39 


1.08 


37 


3.32 


22 


30.31 


3 


35-33 


I 



26.71 
2.71 

3.35 
3.36 
1.08 
1336 
4.53 

'tu 

1045 
1.35 
0.57 

18.13 
0.27 



4.ja 

6.25 
2.16 

3354 
1.33 
9.30 

3451 
7.82 
6.23 



3.69 



4.21 



Rank 

in 
Ratio. 



8 
12 
18 

9 
33 
37 
10 

36 
II 

31 

^ 

33 
33 
34 
35 
13 

'I 



2 

17 
21 

ao 

37 

5 

»5 



38 

4 

40 



January i. 1890. 



Cash in 
Offices and 
Banks. A 



$ 

II.719.079 

5.917.838 

2,988,633 

4,048,016 

1,779.092 

870,359 

667.505 

1.398.565 



116,158 
686.979 
301,917 
300,537 

399,017 
153,876 

33.446 
303.81S 
133,757 
106,113 

70,105 

148,130 
38.054 

"S.039 
71,180 
31.476 
15.688 
54.186 

43,676 
16,570 
19.64a 
34.595 
30.584 
3.468 

6.224 

7. Ill 

7,262 

540 

911 



33.611,597 

320,976 
89.553 
46.343 

^•?^ 
28,839 

3,361 
487.539 



33.099.136 



Ratio. 



% 

II. 12 
5-67 

2.20 
11.67 

479 
1.98 
6.91 

2^2 
0.44 

^•^ 

I.I6 
3-34 
194 
1.71 

2.02 « 

i.oi 34 

03a. » 

3.31 ■ ^7 

5.B1 10 

2.42 30 

ia36 S 

2.62 19 

057 37 

0.68 35 

1.14 ' ? 

1.22 I 39 

12.30 1 5 

33.93 I » 



Raak 

in 
Ratk. 



21.47 ' 
3.65 
i.oa 
1361 
1.81 { 

1349 1 
a65 



5.46; 13 

1.13 3« 

511 14 

1.91 25 

1.02 ' 33 

14.23 3 

0.22 40 



4.67; 



2.64 

5878 

131 

7-93 

ai.76 

{<) 
2.19 



2.88 
"4^ 



e Commenced businesft In 1890. A Include money deposited at interest in trust compaaieSf etc. 



LIFE INSURANCE RATIOS. 



Exhibit XI.— Deferred and Unpaid Premiums. 

Giving the amount of Net Deferred and Unpaid Premiums of the Reveral companies at 
January i. 1891 ; also Percentage of the same to Admitted Assets ; and a comparison with 
similar items at January i, 1890. 



Name op Company. 



New York Ufe 

Mutual, New York . . . 
Equitable. New York. 

Nonbwestem 

Provident L. and T. . 

Mutual Benefit 

PeuD Mutual 

Germania 

Union Central 

Massachusetts Mutual 

Washing on 

iEtna Ijfe 

Travelers 

Manhattan 

Home Life 

United States 

Michigao Mutual 

NewEn|{]and 

Pacific Mutual 

Connecticut Mutoal . . 
National of Vermont . 

(Commercial Alliance . 

Union Mutual 

Berkshire 

Phoenix Mutual 

Provident Savings. . . . 
Connecticut General . 
Mutual of Kentucky . . 

Imperial 

Booklyn 

Maryland 

Vermont 

Mutual of Baltimore. . 
Equirable of Iowa. . . . 
Covenant Mutual .... 

Life Ind. and Invest. . 
Presbyterian Ministers 

B nkers 

German Mutual 

Royal Union 

Register L. and A . . . . 
State Mutual 

Aggregates 

Industrial Companies. 

John Hancock 

Ufe Ins. Co. of Va... 

Prudential 

M'-tT- politan 

Peoples Industrial 

Western ft Southern . 

U. S. Industrial 

Sun Life 

Aggregates 

Combined Aggregates 



Total Assets, 
Jan. X, X89X. 



$ 
"S.093.966 
146,494.180 
116,887,786 

46997.433 
16,485.43^ 

IS.736.7" 
6,614,487 
11,353.040 
10,741.899 
3S.993.oo3 
10,466,489 
13.381,660 

7,308.949 
6.469,483 
3,976.460 

31.015,948 
a.239.709 

58,741,343 

6.763,845 

6,203,768 
4,700,724 
10,010.000 

805,735 
3,053,896 
1,795.023 

319,316 

1.579.399 
1,500,1x1 

387852 
178.791 

765.319 
375.229 

171.159 
454.506 
136.414 

409.548 

50.344 

ZX.641 

6,396.57a 



749.921,690 



3,967.910 
508. 1 12 

5.^.895 

10,781.173 

139.690 

Z13664. 

323.735 
132,192 



21,050,371 



770,973,061 



Net Deferred 
and Unpaid 
Premiums. 



S 

3,632,124 

2,588,740 

1.676,404 

896,083 

567,362 

445.547 

407.384 

372.395 
34^.123 
339.287 
298.685 
288,578 

275.451 
366,802 

319,351 
203,175 
187.452 
169937 
160.316 

137.342 
136.326 

1x9,090 
IZ8.418 

"3.324 
82,538 
65.388 
47,160 
46,452 

45.061 
27,707 
23348 
18,379 
15.927 
15.126 

10,957 

8,508 
6.379 
5,351 
1. 143 
81Z 

None. 



13.381,176 



88.951 
62,538 
59.6a 
40,726 
6.633 

None. 



369,046 



13.650,2 



Ratio. 



% 

3.39 

1.77 

1.43 

3.12 

3.05 
0.95 
2.47 

2.37 
5.16 
3.01 
3.78 
0.80 
3.63 
2.17 

3.04 

6.30 
081 
7.16 
0.23 

2.03 

37.16 
191 

0.82 

8. IX 
230 
2.59 

ao.56 
1.75 
1-56 

4.74 
8.91 
1.98 
2.93 

4-97 
1.40 
4.27 
0.38 
1.61 
4.35 



1.78 



3.34 
12.31 
1.17 
0.38 
4-75 
5.01 
1.51 



1.28 



1.77 



Rank 

m 
Ratio. 



24 
30 



30 



7 
15 
17 
39 
18 

25 

14 
12 

6 
38 

5 
41 
27 

I 
29 
21 

37 

4 

23 

19 

2 
31 
33 

9 



16 

8 

35 
II 
40 
32 



January x, 1890. 



Net Deferred 
and Unpaid 
Premiums. 



$ 


?o 


3,191,919 


2.10 


2,119,121 


1.56 


1.799.930 


1.71 


853.858 


2.30 


531.442 


3if 


398,809 


0.88 


403.206 


2.67 


347,014 


2.34 


300,898 


540 


329.551 


317 


290,367 


2.90 


257.957 


0.74 


254.200 


2.63 


301,781 


2.57 


161,273 


241 


171.502 


274 


137.510 


531 


146,503 


0.71 


139.774 


6.62 


119.513 


0.21 


159.089 


2.69 


11.1X6 


872 


.118,784 


2.06 


90.479 


67.942 


0.68 


65.753 


9.73 


39867 


2.C9 


37.776 


2.33 


29.854 


16.95 


26.095 


1.62 


19.371 


1-34 


27,712 


6.99 


15.426 


9 37 


12 418 


1.74 


5,082 


1.37 


3.779 


1% 


3.314 


2.571 


3.35 


1.043 


0.35 


957 
253 


3.73 



None. 



11,994,808 



4 


• ■ 59.383 
50,346 


I 


6 


92,278 


7 


39.4^9 


3 


2,015 


3 


S.5Q3 


5 


4.080 




(^) 



252.874 



Ratio. 



1.72 



167 
10.60 

2.35 
0.46 
1.52 

2.64 



149 



13,347,682 



1.71 



Rank 

in 
Ratio. 



25 
32 
30 
23 
II 

16 

21 

8 

10 

12 

37 
17 
18 

30 
13 

9 
38 

7 
41 
15 

2S 
27 

39 

3 

36 



z 

31 
34 
5 
3 
29 
33 

19 
36 
24 
40 

14 
6 



5 
z 

4 
7 
6 

2 
3 



{c\ 



c Commenced business in 1840. 



364 



LIFE INSURANCE RATIOS. 



Exhibit XIL— All Other Assets. 

Giving the amount of AU Other Assets not specified in preceding exhibits held by the 
companies on Januaiy i, 1891 ; also percentage of the same to Admitted Assets, and a com- 
parison with similar items at January i, 1890. 



Rank. 



I 
2 
3 
4 
5 
6 

7 

8 

9 

10 
II 
12 
13 
14 

IS 
16 

\l 

19 
20 
21 



33 
24 

II 

a? 
28 

29 
30 
31 
32 
33 
34 
35 

36 

II 
39 
40 
41 
42 



Namb op Company. 



Mutual. New York.... 
Connectinit Mutual. . . 

Mutual Benefit 

Northwestern 

^tna Life 

New York Life 

Equitable, New York. . 



New England 

Massachusetts Mutual. 
Provident L. andT.. 

Union Central 

Pboenix Mutual 

Penn Mutual 

National of Vermont . 



Washington 

Manhattan 

Germania 

Michigan Mutual 

Mutual of Kentucky. 

United States 

Pacific Mutual 



Toul AsMts, 
Jan. i« 1891. 



Toul of all 
Other Itemft. A 



Onion Mutual 

Travelers 

State Mutual 

Berkshire 

Mumal of Baltimore. . 
Connecticut General. . 
Home Life , 



Brooklvn 

Equitable of Iowa . 

Vermont 

Maryland 

Covenant Mutual . 
Provident Savings. 
German Mutual.. . . 



Bankers 

Imperial 

Presbyterian Ministers. 
Life Ind. and Invest. . . 
Commercial Alliance. . 

Royal Union 

Register L. and A 



Aggregates.. 



Industrial Comfantes, 

MetroDolitan 

John Hancock 

Prudential 

Ulelns. Co. ofVa.... 

U. S. Indu.4trial 

Peoples 

Sun Life 

Western and Southern, 



146,494,180 
58.741.a43 
46.997432 

43.338.aS9 
35.993.00a 

"r 
ii< 



Aggregates 

Combined Aggregates 



i6!887!786 



21.015.948 
11,352.640 
18.606,619 

6.614,487 
10,010.000 
16.485.438 

6.763.84s 

10,7^1.809 

12,361. 660 

IS.736,711 
a.976.469 

6;469'4»3 
a.a39.709 

6,9oq.768 
10,466.489 

6.396572 
4,700.724 

178,791 
2,052.896 
7,208,949 

1.579.399 
7^.319 
387.85a 

1,500,111 

37S.aa9 
805.735 
409.548 

126,414 
8I9.216 
454.506 
171.159 
331.439 
50.344 
II. 641 



749.931,690 



10.781,173 
3.967,910 

5.084.S95 
508,1x3 

323.735 
139.690 
133 19a 
113.664 



ai.950,371 



770,973,061 



Ratio. 



$ 
1,058,679 
1,036,764 
673.307 
515.151 
486.055 
474.824 
254.979 

237,515 
20A.655 
176,938 

172,499 
171.808 

130.739 
126,493 

113. 1" 
112,539 
103.796 
87.413 
75.504 
73.227 
69,181 

67.556 
^.536 
63,000 
50,848 
44,619 
42.653 
33.981 

20,033 
19,844 
8.732 
8,000 
6.840 
5.583 
5.466 

4.223 
4.137 
4.132 
3.477 
1,781 
853 
133 



Raak 

in 
Ratio. 



6,794.372 



110.775 

50.595 

47.750 

7.544 

4.463 

2,050 

891 

None. 



% 

0.73 
1.75 
1-43 

I 33 

1.35 
O.4X 
0.33 

X.08 
1.83 

0-95 
3.61 
1.73 

1.05 
0.93 
066 
3.94 
4.21 

1x3 
3.09 

0.60 

0.97 
1.08 

2496 

3.08 

0.47 

1.32 
2.59 

335 

?:g 

0.69 
133 

\% 

0.91 
3.03 
0.56 

1.06 



334,068 



7,018,440 0.91 



0.91 



1.03 
1.27 
0.94 
X.48 
1.38 

0.67 



32 
14 
17 
21 
18 

39 
40 

24 

6 
15 
31 
12 

26 
29 
34 

5 

2 



30 

\ 

37 
13 
33 
19 

3 
II 

30 
10 

16 

25 



Jamuasv I, 1890. 



Another 
\\tm%.A 




160.663 
152,080 
163.893 
IIJ.3I1 
186.447 
110.488 

93.388 



Ratk> 



Rjak 



1.06 



6.931,934 



7.90X 
789 

None. 



% 

074 
1.67 

'"^ 
1.98 

1-44 
0.4a 
0.79 

0.78 

*i! 

096 

0.9s 
1. 00 
0.86 
a.8i 

1.83 
3.*7 

1.04 
0.71 

\% 

0.48 
i.x8 

11.80 

\g 

1-54 

3.31 
i.8x 

1.63 
254 
0.57 
199 
2.71 



0-99 



1.13 
x-33 



183,064 



7.103,998 



1.07 



33 

14 

21 

22 
20 

39 
31 

3* 

9 
II 

34 
17 



^ 



12 

5 

26 
3S 
29 
25 

15 
13 



24 

3 

i 

2h 



4 
13 
I* 

8 

37 
xo 



4 
3 
5 
2 
6 
I 



0-99 



c Commenced business in 1890. A Items net specified In preceding exhibits. 



LIFE INSURANCE RATIOS. 



365 



Exhibit XIII.— Net or Invested Assets. 

Giviofl: the amount of Net or Invested Assets held by the companies on January i, 1891 ; 
also percentage of the same to Admitted Assets, and a comparison with similar items at Jan* 
nary i, 1890. 



Nams op Company. 



Total Aflsets, 
Jan. 1, 189Z. 



Netorloveated 
Assets. i4 



Ratio. 



Rank 

in 
Ratio. 



Net or Invested 
Asseto. i4 



January x, 1890. 



Ratio. 



Ranlc 

in 
Ratio. 



Mntnal, New York... 
Equitable, New York. . 

New York Ufe 

Connecticut Mutual.. 

Mutual Benefit 

Northwestern 

.£toa Life 



New England 

ProYident L. and T. . . 

Peon Mutual 

Geimania 

Manhattan 

Massachusetts Mutual. 
Washington 



TraYelera 

Phceniz Mutual 

Hooe Life 

National of Vermont. 

State Mutual 

Union Central 

United States 



Union Mutual 

Berkshire 

Michigan Mutual 

Pacific Mutual 

Connecticut General . 
Mutual of Kentucky. . 
Brooldyn 



Maryland 

Equitable of Iowa 

Provident Savings 

Prpsbytenan Ministers, 

German Mutual 

Covenant Mutual 

Vermont 



Commerdal Alliance. 

Imperial 

Life Ind. and Inves. . . 
Mutual of Baltimore. . 

Bankers 

Royal Union 

Register L. and A — 



Aggregates. . 



Industnai Companies. 

Metropolitan 

Prudential 

John Hancock 

Life Ins. Co. of Virginia 
U.S. Industrial.... 

Sun Ufe 

Peoples Industrial. . . 
Western and Southern. 



Aggregates. 



$ 

146.404,180 

xx6.887.786 

"S.093.966 

S8,74X.a43 

46.997,432 

4a.338.a59 

35.993.00a 

21,015.948 
18,606.619 
z6.485.438 
15.736 7" 
xs,28i,66o 
XX, 252,640 
10,741,899 

10,466,489 

X0,0I0,000 

7,208.949 

6,763.845 
6.596.572 
6,614,487 
6.469.483 

6.203,768 
4,700.724 
a.976,469 

a.239,709 
3,052,896 
i.795.oa3 
1.579.299 

x,Soo,ixi 
765.319 
805.73s 
454.506 
409.548 
375.229 
387.85a 

321,439 
219.216 

171.159 
178,791 
126,414 

50.244 
XI.641 



140.021,705 

"3.548.915 

X(^.6o3.58o 

57,282.699 

45.534.466 

40764.559 
34.500.875 

19.761.714 

17.633.734 
15 842.906 
i5,xoi,8o2 
xi,769.383 
10,457.663 
xo, 246,202 

IO,X28,502 

9.695.33s 

6,716,400 

6.390,936 
6.138.934 

6,080.225 
6,072,125 

5.997.500 

4,493,a6c 
2.701.605 
2,000,615 
1,938,117 
1,652,108 
1,453.881 

1.409.454 
7a6,9SS 
720,765 

4ia.983 
400.344 
357.390 
320,796 

900.568 
170.019 

159.173 

T58,o8x 

1x6,988 

48,582 

11,0x2 



% 
95.60 
97.IS 
9436 
97.5a 
96.90 

95-86 

94.04 
9480 
96.XX 
95.98 
9583 
92.9A 

95.3d 

96.78 
96.86 
93.18 
94-49 
9598 

^:S 

96.68 

95-59 
Q0.76 

89.34 
94.42 
9205 
92.06 

93 94 
95.00 

\t 

97'7S 
9524 
82.72 

62.59 
77-56 

94.60 



749.92X,690 



xo.78x.173 

5,084.895 

3,967,910 

508.112 

323.73s 

X32,I93 

139.690 

1x2,604 



21,050.371 



Combined Aggregates! 770,973,061 



7x7,742.788 



xo,69o,8o8 

4.977.477 

3.852.519 

438,040 

314.374 
131,301 
130. 07 
xo7,oa2 



20.571,548 



738,314.336 



95.70 



98.51 
9789 
07.10 
86 2X 
97.11 
9932 
93.10 
9500 



97.73 



95.78 



14 

3 

a3 

2 

4 
9 

X2 

34 
19 
XO 
XI 

13 

x6 



3X 
XI 



8 
IS 
35 
37 
22 
3a 
31 

% 
36 
34 

I 

17 
39 

41 
40 

27 

7 

20 



$ 
199.211,566 
100,034.396 
97,755.780 
56,330,336 
43.593.474 
35.634.799 
33.239.734 

19.023.557 
15.942.738 
14,2x7.8x3 

14.090,543 
11,080,488 
9.618,010 
9.553.101 

9,333.637 
9,680,048 

6,329.777 
5.531.923 
S.400.699 
5.146,897 
5.874.549 

5,952,088 
4.907,998 
2,379.046 
1.902,554 
1,816,091 
1,488.132 
1.510,254 




115,688 
143.056 
144.909 
146,410 
107.728 
33.362 
3440 



% 
95.25 
94.93 
936a 
97.32 
96.37 

92.44 
94.08 
9490 
95.03 

94-54 
92.34 
95.37 

96.65 
96.79 
94.54 
93.47 
95 44 
93.31 
93.75 

96.68 

91.88 
90.10 
9504 

98.08 

11:^ 

97.50 
98.22 
97.00 
81.47 

90.73 
81.24 
95.00 
8897 
94.43 
95.28 

91.31 



660,722.881 



8.447,119 

3.795.077 

3.435.373 

416.070 

147.553 

137.959 
XO8.30X 



94.72 



98.95 
9671 
96.53 

96.84 

9653 
94.90 



x6.46x.412 



97.31 



677.184.393 



9478 



x6 
21 
38 
4 
9 
10 
12 

31 
35 
34 
18 
22 
33 
14 

8 
6 
22 
39 
13 
30 
37 

7 
xz 

33 
37 
17 

IS 

2 

20 
39 

3 

I 

5 
40 

36 
41 

^ 

33 
15 
35 



3 

4 
6 

2 

w 

4 
5 



c Commenced business in 1890. A Excluding invested items, ** Not Admitted.' 



366 



LIFE INSURANCE RATIOS. 



Exhibit XIV —Total Liabilities (January 1, 1891). 

Giviag the Amoant of Liabilities of the levend companiei at Janoaiy i, 1891, together 
wiih the various Items of Liabilities. 



Rank. 



X 

2 
3 

4 

I 

7 
8 

9 

10 
II 
12 
13 

14 

II 

17 
18 

19 
20 

21 
22 
23 
24 

'd 

27 
28 

39 
30 
31 
3a 

33 
34 



32 
38 
39 
40 

41 
42 



Namb op Company. 



Mutual, New York 

New York Life 

Equitable. New York 

Connecticut Mutual 

Mutual Benefit 

Northwestern 

iGtna Life 

New England 

Provident Lite and Trust. . 



Penn Mutual 

Germania 

Manhattan , 

Washington , 

Massachusetts Mutual. 

Phoenix Mutual , 

Travders 

Union Central , 

National of Vermont. . 



Union Mutual 

United States 

Home Life •«.•. 

State Mutual 

Berkshire 

Michigan Mutual.... 

Pacific Mutual 

Mutual of Kentucky. . 



Connecticut General. . . 

Brooklyn 

Maryland 

Eqiutable of Iowa 

Provident Savings 

Covenant Mutual 

Presbyterian Ministers. 
German Mutual 



Vermont 

Mutual of Baltimore. . 
Commercial Alliance . 

Imperial 

Life Ind. and Invest. . 

Royal Union 

Bankers 

Register L. and A.. . . 



Aggregates. 



Ittdustrial Compcmies. 

Metropolitan 

Prudential 

John Hancock 

Life Ins. Co. of Virginia . 

Peoples Industrial 

U. S. Industrial 

Western and Southern . . . 
Sun Life 



Reinsunace 

Reserve. 
Four per cent. 



Aggregates 

Combined Aggregates... . 



136.053.198 
98.929.864 
94.692.634 
51,650.280 
43,201.683 
35.424.507 

16.000,692 

14.158.395 
14.428.835 
11,000.796 

10,339.243 
10,278,160 

9,202,747 
9.106.348 
5.984.493 
5,606,074 

S.768,525 

5.530.137 

4.139.393 

a.735Sio 

a 2,046.823 

1.527.03a 
1,4x8.108 

1.184.737 

541.975 
316,907 
363.006 

334.485 
316,921 

.399.709 

^139495 

131.353 

73.485 



654,566.195 



:^;; 



|.S7a.i3i 

> 346,5" 

37.250 

21.288 

18,054 



15.397.473 



669,963.668 



Uopoid 
Looesand 

ClaioM, 

A4it»ted 

and 

UiuuUutted 



$ 
349540 
1.030,395 
337.333 
347.335 
134.702 

164,531 
187.014 

197.527 
16.59a 

144.320 
117,226 
169.921 
35.338 
51.247. 
106,314 

^^ 

5.000 

93.641 
8,670 
7,147 
6,430 

17.819 

17.783 
22,120 



15.790 

29,049 

132.000 
8,185 
2.233 

1,000 

15.633 

1,350 

15,000 

. . 26,250 

17.000 



3.897.067 



23,642 



13.738 
15.066 



{c) 



51.446 



3.948.513 



and 

Claiott 

Resisted. 



% 
86.755 
10.000 

38.846 
7.000 

29.775 
30.500 



5.000 
Z0.012 



1,000 

2,000 

7.500 
13.500 



343.888 



313 
995 



(^ 



1,208 



245,096 



UapMd 
Dividends. 



1x7.226 

303.070 

319.958 

60,000 

213.304 

87.988 

23,386 

49.429 
56,065 
43.643 



49.080 

3,250 
1.573 

3.155 

17.999 

3,678 



7.830 

357 
1.604 
5.069 



3,498 



Z.966.Z03 

3.678 
14.773 



{c) 



18,451 



1.284.554 



Another 



« 



347.936 
3.72s 

99,093 
406,384 

!!:?§? 

7.8ai 

1.145 
108,752 

5,000 
321.248 
300.946 

2.079 
12,486 
3.463 



xi,652 
414 



8.194 

443 

4-577 

553 



10.345 



17,000 



1,778 
163 



2.3x7,807 



973.566 



88,569 

18,997 

539 



ic) 



1,021,671 



3,239,478 



T«tal 



$ 

136,693.558 
100.004,919 

1^ 

3S.«i!5S8 
•9.907.74a 
i9.o5i,acH 
x6bi59.;6a 

14.758.538 
14.661. 118 
x 1.345.099 
xo.3a2,3Z4 

10.379.634 
9^x7.813 
9.161,447 
6.334.658 

&915.593 

S.874,gco 
&860.6S1 
5.7*3.717 
5.536.567 
4.X7X.542 

3,753.707 
3,068,943 
1.750.001 

i.543.Saa 
1,434.289 
x,3i9,408 
54x975 
450.907 
37i.2»3 
346.953 
3».4I9 

, 31S.333 

* 157.731 

146,352 

99.73s 

79.423 

45.806 

17.334 

5.967 



662.191,060 



».664,I44 
3,608.424 

31.988 

18,054 

None. 



16490.249 



678.681.309 



rt Includes accident branch. b Reserve calculated at 4% per cent. 



r Commenced businem Sept. r, 189a. 



LIFE INSURANCE RATIOS. 



367 



Exhibit XV —Total Liabilities (January 1, 1890). 

[Thii table is inserted for conveoience of comparison.] 
Giving the amount of Liabilities of the several companies at Januaiy i, 1890, together with 
the various Items of Liabilities. 



Namb or Company. 



Mntual, New York.... 

New York Life 

Equitabl'', New York . 
Connecticut Mutual. . . 

Mutual Benefit 

Northwestern 

i£rna Life 

New England 

Provident L. and T... 



Germania 

Peon Mutual... 

Manhattan 

Washington .... 
Massachusetts . . 
Phoenix Mutual. 

Travelers 

Union Mutual . . 
anited States... 



Home Life 

Union Central 

National of Vermont. 

State Mutual 

Berkshire 

Michigan Mutual.... 

Pacific Mutual 

Mutual of Kentucky. . 

Brooklyn 

Connecticut General. 

Maryland 

Equitable of Iowa. . . . 
Covenant Mutual .... 
Provident Savings... 

Vermont 

German Mutual 



Presbyterian Ministers. 
Mutual of Baltimore . . . 

Imperial 

Life Ind. and Invest. . . . 

Royal Union 

Commercial Alliance. . . 

Bankers 

Register L. and A 



Aggregates. 



Indushial Comptunes, 

Metropolitan , 

John Hancock 

Prudential 

Life Ids. Co. of Virginia. 

U. S. Industrial 

Pfoples Industrial 

Wesrem and Southern. . . 
Sun Life 



Reinsurance 

Reserve, 
Four per cent. 



Aggregates 

Combined Aggregates. 



135.810,898 
37.834.5ao 
83.750.639 
51,482,967 
41,403.900 
31,145.787 
a8.393.076 
i7,867,oa7 
14.356,50a 



15.481 
1.496 

^3 953 
494.934 
3aS.477 
,290,646 

757.993 
595.494 



Unpaid 
Loefc«ftand 

CUtBI8« 

Adjusted 

and 

Unadjusted 



5. 
5. 

5,265.682 
4,847,460 
4.711,440 
4,820.869 

3.834.317 

2,359,020 

a 1,923,986 

I.5S5.I97 

1.413.456 

1,408,180 

1.143.458 

503.185 

* 372.942 

a66,338 

318,137 

€ 3X6,426 

369,400 

^ 131.535 

50.757 

39 434 

31.694 

15354 

6,040 

808 



602,304,387 



153.739 
331,757 
853.550 
320,891 

15.453 
16.198 

5.459 



% 

886,49a 
308.072 
339.496 
198,161 
174.976 
184.649 
137,245 
40.109 

91,72a 

"5.135 

130.485 

16,921 

33.839 
44.387 
40,100 
49.018 
19.300 

18.503 
34.976 
9.000 
13,286 
18,930 
19670 
16,074 



31.S15 

28.077 

25,282 

3,000 

1,861 

69,000 

6.945 



1.473 
4,000 
13.750 



and 

Claims 

Resisted. 



3,289,028 



34.656 
18.308 



34.491 



kc) 



13,585.047 67,45s 



614,849,434 



3.356,483 



68,364 



36.846 
17,000 
14,000 
96.500 



5.000 



I.OOQ 

3,500 

15.500 



S.ooo 
350 



".409 
400 



3.500 



Unpaid 
Diviaends. 



317,169 



640 



Kc) 



640 



317,809 



97.753 
355.363 
304.835 

10,000 
176,008 
X06.195 

31,559 

51.134 
333 

30.359 



3.718 

15.938 

338 

4.557 



3,040 
xz.ooo 



180 
3,373 

347 
4.473 



33 



3,399 



All Other 
Liabilities. 



1.091.985 



4.135 
13,800 



Kc) 



17.935 



1,109,910 



% 
77.868 

40.047 
130,417 

346.803 
4.73a 

131. 160 
4.680 

96.387 

48,076 
400.819 

33,060 
9.628 
3,100 

89.901 
5000 

96598 

13,616 

3.958 
333.839 
361,311 



11,362 
357 

11,270 

9.935 
383 

2ZX 



80 



14.33a 
11,500 



1,158 
I.3OX 



3.137.544 
818,765 

ao,S73 

7I486 
33,000 



878.824 



3.016,368 



Total 
Liabilities. 



126.194.S85 
88.761.059 
84,288.881 

5a.451.475 
4X,828.6a8 

31.475.9a3 
38.784.913 
18.100,467 

14.514.457 

13.643.335 
i3.a56,X93 
xo.686,X75 
9,670,824 
9.551.8X2 
9.459.665 
8.373.746 
5.839.837 
5,643,9x0 




4.»34.I55 
3.867,549 
3,390,047 
1944.360 
x,566,647 

1.457.538 

1,436.987 

x,X73.4a4 

So6,x85 

h8p5 



609,040, X13 



7,000,385 

3,375.078 

3,853,550 

353,868 



13.549.891 



633.599,004 



a Includes accident branch* b Reserve calculated at 4^ per cent. # Partly estimated, c Commenced business in 1890 



368 



LIFE INSURANCE RATIOS. 



Exhibit XVI. Admitted Surplus. 

Giving the Rank of the various companies in the amount of Admitted Surplus held over 
all Liabilities, including Reserves, January i. Z891; also showing the Assets and Liabilities, 
together with a comparison of the Surplus held January i, 1890. and ranlc in the same. 



9 
xo 
II 
la 
13 

\l 

18 

19 
ao 
21 

23 
33 
24 

as 



27 

a8 



39 

30 
31 

3a 
33 
34 
35 

36 

H 
38 

39 
40 

41 
42 



NAME OF COMPANY. 



Equitable, New York. 

New York Life 

Mutual. New York... 

Northwestern 

iCtiaLife 

Connecticut Mutual.. 
Mutual Benefit 



Provident Life and Trust. 

New England 

Penn Mutual 

Home Life , 

Travelers 

Germania 

Manhattan 



Massachusetts Mutual . . 

State Mutual 

National of Vermont. . . . 

United States 

Phcenix Mutual. 

Berkshire 

Connecticut General 



Uok» Central 

W«sbington 

Provident Savings. 

Union Mutual 

Maryland 

Equitable of Iowa.. 
Michigan Mutual. . 



Commercial Alliance.. 

Pacific Mutual a 

B ooklyn 

Imperial 

Bankers 

Presbyterian Ministers. 
Life Ind. and Invest. . . 



German Mutual , 

Vermont 

Mutual of Kentucky 

Mutual of Baltimore 

Register Life and Annuity. , 

R yal Union 

Covenant Mutual 



Aggregates . 



Industrial Companies, 

Metropolitan 

Prudential 

John Hancock 

U.S. Industrial 

Sun Ufe 

Life Ins. Co. of Virginia. . 

Peoples Industrial 

Western and Southern. . . . 



Admitted 

Astea Jan. i, 

1891. 



$ 
116.887.786 
"5.093.966 
146,494.180 
4a.338,2S9 
3S.993.a>a 
P.74i.a43 
46,997.432 

18,606.610 
21,015.948 
16,485,438 
7.208.949 
10^66.489 

15.736,711 
13,281,660 

11.252.640 
6,396.572 
6,763.84s 
6.469.483 

10.010.000 
4.700.734 
2,052.896 

6,614,487 
10,741.899 
^®°S735 
6,203,768 
1,500.111 

765.319 
2,976,469 

331,439 
2.239.709 
1.579.299 
319,216 
126.41^ 
454.506 
171.159 

409.548 

387.852 

1.795.023 

178.791 

11.641 

50,244 

375.229 



749,921.690 



10,781,173 
S.084.895 
3.967.910 
323.735 
132 192 
508,112 
139.690 
112.664 



Aggregates 21.050.371 

Combined Aggregates. 



770,972,061 



Liabnities 

Four percent. 

Reserve. 



$ 
9S.377.li5 
loo.024,9X< 
136.623,5^ 
35.8a1.5l 
39.907.742 
52,686,476 
43.566.148 

16,159.762 
19.051.204 
14.758.528 
5.713.717 
9. 161.447 
14,661,118 
11.245.029 

10.379.634 
5.536.567 
S.915.593 
5.860,651 
9,417.813 
4.171.542 
1.543.522 

6.234,658 
10,382.314 

450.907 
5.874,900 
1,219.408 

541.975 
2.753.707 

146,35a 

2,o68.9jL3 

1,434389 

99 735 

17.324 

346953 

79.423 




662,191,060 



8,66a.144 

3.738.981 

3.6a8.4M 

21,288 



b 380.574 
38.784 
X8.054 



16,490,249 



678,681,309 



Siupltts. 



$ 

21,910,671 
15.069,047 
9.870.622 
6,516,671 
6,085,360 
6054.767 
3,431.374 




873.006 
860,005 
848,352 
608.832 

592.187 
529.183 

509374 

379.829 
359.585 
354.838 
328.868 
280,703 

223.344 
232,762 

175.087 
170.766 
155,010 
119.481 
109,090 
107.553 
91.^ 

89,129 

72.520 

45.022 

b 81. 040 

5.674 
4.438 

4.006 



87.730.630 



3.117,039 

1.345.914 
339.480 
302,447 
132.192 

b 127,538 
100.906 
94.610 



4.560,133 



Jamuakv X, »8go. 



Admitted 
Aoets. 



$ 
105,361.360 
104.415,323 
135.638.539 
37.107.930 
34.741.130 
57.863.366 

45.236.963 

169*6,145 
20.5fe.957 
15.093 494 

9,'656!i^8 
14.825.967 
11,729.400 

10.415.818 
5.659.204 

5.917.195 

6.366.338 

10.002.743 

4.393.249 
1,9x0,786 

5.575.497 

10,019.368 

676,540 

6.157,343 
1,447.319 

714.193 
2,589.257 

127.531 
3,111.318 
1.608.534 
176,104 
114.078 
379.435 
152,559 

409.269 

396.472 

1.632,195 

164.549 
3.796 

35.016 
372,013 



Surplus. 



697.533.105 



8.597.469 

3.924.205 

3.548,080 

153,363 

474.225 



16.936.839 



92.290.752 714.469.944 89.659.17a 



21.078,479 I 
x5.654.263. 2 

9.443.954 i 

5.632.007 : 5 

5.956.217 4 

S.410.891 6 

3.408.335 1 7 

3.431.688 • Q 
2.4821490; I 

1.837.301 I 10 
1.390.234 • " 
1.383.403 1 12 
1,183,043 ; Ij 
1.043.335 \ 14 

864.6e6i i? 
835 049 17 
930.887 j 15 
623.428 I 18 
543.078 } 19 
525.700 I » 
473.799 ! 21 

378.884 
348.444 

3^9.793 
317.516 

199.310 3S 

112.177, 3» 
166.958 j 39 
151.006 30 

121.347 31 
104,880 31 

95.703 i 35 
106,8 



^75 : 35 



'90.444 

70,910 

55.548 

^30.043 

X.687 

3.322 

('J 



86.373.334 



1.597.184 I 

1.071,745 I 2 

273.00a j 3 

104.9091 b 

* <^> w 

b X2I.3S7 j 4 

116.346 5 

102.405 7 



3,386,948 



a Includes accident branch. 



b Reserve calculated at 4H per cent. 9 Partly estimated. c 
business in 1890. 



LIFE INSURANCE RATIOS. 



Exhibit XVII.— Ordinary and Special Surplus. 

Giving the Surplus held bj the companies on Special and Ordinary policies, January i, 
i89i» compared with similar items on January i, 1890. 



NAME OF COMPANY. 



Equitable. New York . . 

New York LUe , 

Matual, New York.... 

Northwestern , 

.Ctna Life 

Connecticat Mutual.. . , 

Mutual Benefit 

Provident Life and Trust 

New England 

Penn Mutual 

Home Life 

Travelers 

Germania 

Manhattan 

Massarhusetts Mutoal... 

State Mutual 

National of Vermont. . . . 
United States 

Pfaosnix Mutual 

Berkshire 

Connecticut General..., 

Union Central , 

Washington , 

Provident Savings 

Union Mutual , 

Maryland 

E<}uitable of Iowa 

Michigan Mutual , 

Commerdal Alliance. . . 
Pacific Mutusd a.. , 

Brooklyn , 

Imperial , 

B inkers 

Presbyterian Ministers. . , 
Life Ind. and Invest. . . . , 
German Mutual , 

Vermont , 

Mutual of Kentucky 

Mutual of Baltimore . 

Register Life ft Annuity, 

Royal Union 

Covenant Mutual 

Aggregates 

Industrial Companies, 

Metropolitan 

Prudential 

John Hancock , 

U. S. Industrial 

Sun Life 

Life Ids. Co. of Virginia, 

Peoples Industrial 

Western and Southern. . 

Aggregates 

Combined Aggregates. 



Ordinary 
Surplus. 



4,664,128 

6.398.507 
9,870.633 

4.370.313 
5,330.260 

6,954.767 

3.431,274 
3,446,857 
1,964.744 
z. 613.047 

1.495.333 

1.305.042 

z. 046, 187 
z,ooa,6i8 
873.006 
860,005 
848,953 
608,833 

593.187 
539,182 

341.537 
379.839 
359.585 
354.828 

379,818 

333.344 
322,760 
175.087 
170,766 

155.010 
119 48Z 
109,090 
107.553 
91736 
89.139 

71.873 

45.02a 

h SI .040 

3.607 

4.438 

4.006 



58,812,0x4 



3,117,039 

1.345.914 
339.486 
303.447 
133.193 

* 137 538 
100,906 
94,610 



4.560,132 



63.373,136 



Special 
Surplus. 



$ 
16,846 543 
8,670,540 



3.146.358 
755.000 



113.863 



39.406 
34.013 



367.837 



""% 



647 
3,067 



38,9x8,6x6 



28,9x8,616 



Total Four 
Per Cent. 
Surplus. 



21,510,671 
15.069.047 
9,870.622 
6,5x6,671 
6,085.260 
6,054.767 




1.071 

1,036.631 
873.006 
860,005 
848,253 
608,833 

593.187 
539.183 
509.374 
379.839 
359.585 
354.838 



280.703 

333.344 
233,763 
175.087 
X70.766 

155.010 
1x9,481 
109,090 
107.553 
91.736 
. 89,139 

73,530 

45.033 

^31,040 

5.674 
4.438 

4.006 



87.730.630 



3.xx7,oa9 

1.345.914 

339.486 

303,447 

X33.XM 

* 137.538 
xoo,9o6 
94,6x0 



4,560,123 



93,390,753 



January x, 1890. 



Ordioary 

Surplus. 



$ 

5.xoo,oi6 
7.949.3x0 

9.443.954 
4.315.33X 
5.301,2x7 
5.4X0.89X 

3*4o8.|35 
2,4^x,688 
2 482,490 
x.764.573 

x.390,334 
1,383.403 




543.078 
535.700 
337909 
378,591 
348.444 
339.793 

373.585 
373.795 
208,008 
199.310 
X 12. 177 
x66,958 

151.006 
13X.347 
104,880 
95.703 
X06.875 
^90.444 

70,263 

.55548 

3 20.042 

X.687 



60,205,254 



1.597.184 

1,071.745 

273.003 

104.909 

h X2i,357 
X16346 
102,405 



3.386.948 



63,592,202 



Speaal 
Surplus. 



15.973,463 
7.705.053 



1.3x6,786 
655,000 



73.739 



54.055 
xo,xa3 



335.890 
393 



43.931 



647 



26,066,970 



36,066,970 






xo 
zx 

X3 
13 

\% 

17 

!i 

19 

ao 

31 
23 

33 
34 

% 

33 

39 

30 
31 

34 
35 



38 
39 
41 
40 
43 



4 
5 
7 



a Includes accident department. b Reierre calculated at i%, per cent. 

t Partly estimated. 
L-a4 



c Commeaced busio ns in 1890. 



370 



LIFE INSURANCE RATIOS. 



Exhibit XVIII —Increase in Assets, Liabilities 

AND Surplus. 

GiTiDg the Increase in Assets, Liabilities and Surplus during the year 1890 and the Rank 
of the companies in each item. 



Hami op Cowpakv. 



Equitable. N, Y .... 
Mutual, N.Y....... 

New York Lile 

North westpm ..„,,, 

Mutual Benelit 

Provident L. &.T... 
FcDu Mutual >.... ■> 

Mtn^ Life -- 

Union Central.*.... 
GermaDia ....,...., 
ConntctJcut Mutual, 
National of Verm on i 
Masaachusetis Muf. . 
Travelers ,. 

State Mutual . 

WaahingEon ,„, 

Manhattan...,, 

Home Lite *.*.., 

New England....... 

Michigan Mutual ... 
Berkshire ..., ..,.,, 

United States ,. 

Ccmmerdal AUiance 
Mutual of Kentucky. 
Coanecticut General 
Provident Savings,, 
Pacific Muiuald.... 
Presbyterian Min.,. 

Maryland , .. , «,.... 
Equitable of I ova... 

Union Muiual 

Imperial 

Liie Ind. and Invest ^ 
Royal Union........ 

Mutual of Baltitnore 

Bankers . . , 

Rei?:ister L. and A . . 
Pfloemx Mutual,..,, 
Covenant Mntual.,, 
Genufin Mutual,.... 

Vermont ........... 

Brooklyn ,...,. 

Aggregates 

Jmdustriai Ctfrn^aniej. 
Metro poh tan ,.,..... 

Prudential. ....- 

John Hancock.... .. 

U. S. Industrial.,... 

Sun Life ........ 

Life Ins. Co. ofVa.. 
Peoples Industrial .. 
Wesiero & Southern. 

Aggregates 

Com. Aggregates. 



% 

11.526,436 
10.855,641 
io,&7"e,644 
5.230,539 
1.7^,459 

Ir&iS 474 

i,39T,944 

I.G;3S.990 

910.744 
87^.^77 
846650 
336.833 
810,341 

722,631 
552,360 
514.644 
433.991 
387,213 

3^7.475 

303.145 

t72,Sa8 
142,110 
129,195 
I as ,391 
75^071 

51.126' 
46-435 

43.1 J3» 

icS 600 
15.22B 

14.343 

3.317 

379 

--8,6*) 



23 
04 

35 

26 

=7 
aG 

39 

go 

31 
33 

33 
34 

35 

36 

3S 
39 
40 

41 



52,388,535 



2.183.704 
X, 160,600 

419830 
171.373 

132.193 
33^837 

7-14^ 
4.800 

4.113.S32 



56,502,117 



KAHmOF COMPAHV. 



New York Life 

Fqnitable, N. Y„. 

Mutual, N. Y 

Norib western 

Muiuai Benefit... 
Provident L. & T. 
Peon MuUial 

i^tnaLife........ 

Union Central.... 

Germania,,.,^., ., 

New England 

National of Vt 

Travelers . . , 

Massachusetts Mut 

Washington ...... 

State Mutual..... 

Manhattan 

Honie Life 

Michigan Mutual. 
Berkshire ........ 

Connecticut Mut. . 

United States 

Mutual of Ky..... 
Commerce AUiance 
Pacific Mutual a.... 
Connecticut Gen... 
Provident Savings.. 
Presbyterian Min. 

Maryland ,,,,.,.. 

Imperial 

Equitable of Iowa.. 
Union Muiual... .. 
Life tnd. ^ Invest. 
Royal Union ..... 
Mutual of Bait.... 

Bankers .... ..... 

Regisier L, and A.. 
German MutunL... 
Covenant Mutual.. 
VErmont .... ...... 

Brooklyn .,...-.,.. 
Phoenii Mutual 

Aggregates .. 

fftdMstriai Cos. 
Metropolitan. ...... 

Pnidenrjal ......... 

John Hancock 

Life Ins. Co,of Va. 

Peoples Industrial. 
Western Sc South'n 
U. S. Industrial.... 
Sun Life, .,. 

Aggregates 

Com. Aggregates 



Increase 

in 

Liabilities. 



$ 

11.2^.860 
11,088,334 
10,428,973 
4.345.665 
1.737.520 
1.645.305 
1.509,335 

1,133,899 

1,038,04s 

1.017.793 

950.737 

IssItoi 

838,433 
711,490 

703,4x3 

558.854 

409,646 

363,660 

303.993 
335.001 



317,741 

183. 
130. 

124.583 _ 
106,535 36 
104,160 37 
63,331 



45.984 
44.978 
35.790 
35.073 
33.739 
14,112 

* 13.244 

8,136 
3.858 

— 3I582 
— 10,230 
— 33.«39 
—41.85a 



50,930.179 



/ 53.346 
27,706 

22,586 

12.595 
—26,165 

W 

2.940,358 



53.870.537 



28 



NaMB or COMPAKY. 



Northwestern 

Connecticut Mot. . 
Equitable, N. Y . . . 
Mutual. New York. 

iGtna Life 

Home Life 

Commerc'l Alliance 

Phoenix Mutual. . . . 
Connecticut Gen.. . 

State Mutual 

Provident Savings.. 
Michigan Mutuu . . . 

Mutu^ Benefit 

Equitable of Iowa. . 

Provident L. &T.. 
Presbyterian Min. . 

Union Mutual 

Washington 

Massachusetts Mat 

Marvland 

Bankers 

Covenant Mntual. . 

Brooklyn 

Register L. and A.. 
Pacific Mutual a... 

Berkshire 

Vermont 

Royal Union 

Mutual of Bait.... 

Union Central 

German Matoal... 

Imperial 

Manhattan 

Mutual of Ky 

United States 

Life Ind. ft Invest. 

Travelers 

National of Vt 

Germania... 

Penn Mutual 

New England 

NewYoA Life.... 

Aggregates 

iHdustrial Cos, 

Metropolitan 

Prudential 

U.S. Industrial.. . 
Sun Life 

John Hancock 

Life Ins. Co. ofVa. 
Western ft South'n. 
Peoples Industrial. 

Aggregates 

Com. Aggregates. 



i 



In 

in 
Sttrplttfci. 



$ 
884.664 
643»7^ 
438.192 
426.668 

129.043 

104.998 

63.910' 



49.109 8 

35.575, 9 

34.956 10 

25.035 " 

23.552 13 

22.939 13 

15.336 14 

IS.169, 15 
11,850, 16 

11.352! 17 

11,141; 18 

8,400' 19 

6,908- 30 
4^101 21 

4.0061 23 
4,004 23 
3.987 24 
3.808 35 
3.482 36 
X.6IO 37 

1.1x6 38 

^998 39 

945 30 
— 1.515. 31 
—1,866. 32 



—6.594 
—10.536 
—14.596 

—15.1; 

=2:1 

-107,049 
-110.391 
-517.746 
-585.216 



1.458,406 



519.845 
274.109 
197.538 
132.192 

66.484 
^6.181 
—7.795 - 

—15,440. 8 



33 

34 
35 

36 
37 
3B 
39 
40 
41 
42 



1.173.174 -- 



2,631.580 



The minuf sign (-^) indicates a decrease. a Includes accident branch. 

e Commenced business in 1890. 



b Reserve calculated at ^% per cent. 



LIFE INSURANCE RATIOS. 



371 



Exhibit XIX.— Net Assets to Reserves. 

Giving the Reserves and Net Assets of the companies on January i, 1891. together with 
the percentage of such Net Assets to Reserves; in comparison with similar items at Janu- 
ary I, 1890. 



NAME OF COMPANY. 



Bankers 

Imperial 

Lite Indemnity ft Investm't. 

Commercial Alliance 

Provident Savings 

Register Life and Annuity 
Equitable of Iowa 



Connecticut General. . . 
Presbyterian Ministers. 

German Mutual 

Home Life 

Vermont 

Maryland 

Equitable. N. Y 



iEmaUfe 

Northwestern 

State Mutual 

Provident Life and Trust. 

New York Ufe 

National of Vermont , 

Mutual of Baltimore 



Travelers 

Berkshire 

Penn Mutual 

Connecticut Mutual. 

Brooklyn 

New England 

United States 



Royal Union 

Manhattan 

Massachusetts Mutual. 

Pacific Mutual a 

Michigan Mutual 

Mutual Benefit 

Germania 



Mutual, New York 

Phoenix Mutual 

Union Central 

Union Mutual 

Washington 

Mutual of Kentucky 

Covenant Mutual 



Aggregates . 



Industrial Compairits, 

U. S. Industrial 

Western and Southern 

Peoples Industrial 

Life Ins. Co. ol Virginia. . 

Prudential 

Metropolitan 

John Hancock 

Sun Life.... 



Aggregates 

Combined Aggregates. 



Rescrres 
at Four 
Per Cent. 



$ 

15.546 
73.485 
63,423 

131.352 

316,907 

5.804 

541.975 



1.527. 



.03a 
.485 



316.921 
5686.108 

299.709 

1. 184.737 

94.692,634 

29.459.296 

35,434.507 

5.530.J37 

16,030,692 

98,929,864 

<,6o6.o74 

f> 139.495 

9,106,348 

4.139.393 
14.158,395 
51,650,280 

1,418,108 
18,765,689 

5.825,995 

45.806 

11,020.796 

10,278,162 

2,046,823 

2.735.510 
43,201.683 
14.428,835 

136,053,198 
9,202.747 
5.984.493 
5.768,525 
10,339.243 
1.733.977 
303,006 



654.566.195 



21,288 
18.054 
. 37.250 
h 346.5x1 
3.738.981 
7.663,258 
3.572,131 



15.397.473 



669.963,668 



Net 



2,036,405 
442.038 
406.050 

7.181,340 
372,229 

1.465.440 
116,203.305 

35.544.556 

41.948.179 

6,390,142 

18,467.549 

113.998.911 

6,454.327 

160.535 

10,^11.390 
4.668.575 

15.885.305 

57.705.046 
1.573.118 

20,730,433 
6.434,827 

SO,24A 

13,057.428 

11,151,168 

2.217,589 

2,958,272 

46.632.958 
15 504.428 

145.923.820 
9.794.934 

6 364,321 

ioi698i8a8 

1.778,999 
367,0x2 



742,296.825 



323.735 

112.664 

138,156 

474.0*9 

5,084,805 

9,780,287 

3,911,617 

132,193 



19.957.595 



762,254.420 



Ratio. 



% 
80X.73 

246.96 
233.30 
211.97 
197.76 
141.21 

13336 
132.16 
128.12 
126.30 
124 20 
123.69 
122.72 

120.66 
118.40 
11555 
115.27 
115.23 
115.13 
115.08 



4-33 
a.78 



114-3; 

112. 

112.20 

XII.72 

110.93 

110.47 

110.4s 

109.69 
100 41 
10849 
108.34 
108.14 
107.94 
107.45 

107.25 

106.43 
106.34 
105.70 
103.58 
103.00 

lOZ.IO 



113.40 



1520.74 
624.04 
370.89 

136.81 
136.00 
127,63 

109.50 



199.62 



113.78 



jAJfUAav z, iBga 



Re 
at Four 
Percent. 



$ 

6,040 
50,757 
39.434 

266',338 

2,495 
503.185 

1.408,180 

269.400 

h 316,426 

5.265.682 

3x8,137 

83i756!639 

28,393.076 

31,145.787 

4,820,869 

14.356.502 

87.834.520 

A.711,440 

f> 131.535 

8,220,646 

3.834.317 

12.695.481 
51.482,967 

1.413.456 
17,867.027 

5.595.494 

•,482!496 

9.494.924 

1,923,286 

2.359.020 

41,403,900 

13.442,222 

X25.810.898 
9.325.477 
4.847.460 

5.757 993 
9.643.953 
1.655.197 
h 372,9x2 



10, 



603,304,387 



15.453 

z6!x98 
^320.89X 
2.852,550 

6,152,739 
3,221,757 



12,585.047 



614,849.434 



Net 

Aaett. 



X 10,930 
172,104 
136,309 
127.531 
596.131 
808 

711.193 

1,881,979 
365.103 
406,870 

6,655,916 
389.047 

1.417.253 
104,829,118 

34.349.293 
36.777.794 

16,^,190 

103,488,783 

5.642,327 

151.577 

9,604,048 
4.360,017 

56!893!858 
1,564,462 

20.349.517 
6.2x8.922 

35.016 
11,595.721 
10,359.530 
2,090,244 
2.558,230 
44.813 33s 
14,624,864 

'35.254.852 
9.868.555 
5.226.344 
6,075.509 

9.992.397 
1,610,745 

370,119 



Ratio. 



% 
1836.42 

339.07 
403.10 
830.60 
233.82 
308.54 
141.34 

133.65 
135.52 
128.60 
12640 
122.29 

123.94 
125.16 

12098 
11808 
117.11 
116.94 
117.82 
119.76 
115.21 

116.83 

113.71 
114.47 
H0.51 
11068 
113.89 
III. 14 

110.48 
109.95 

lOQ IX 
108.84 
110.84 
10823 
10880 

157.59 
10593 
107.82 
107.29 
10361 
XO357 
9925 



689,797,379 

120.362 
107.864 

132.544 
442.248 

3.924.295 
7.749.923 
3.494.759 
(0 



15.966,995 



705.764.374 



11452 



778.89 

13782 
137.57 
125.96 
108.47 
(0 



126.87 



XX4.78 



\ tndudee acddent branch. 



b Reserre calculated at 4M P«r cent. 
h Partly estioBated. 



c Commenced busineas in 1890. 



372 



LIFE INSURANCE RATIOS. 



Exhibit XX.— Assets to Liabilities. 



Giving the Percentage of Assets to Liabilities of the 
1891, in comparison with a similar item at January i, 1890. 



several companies at January i« 



9 
zo 

IZ 
Z2 

13 

X4 



17 
18 



19 

90 
31 
23 
23 
34 

'd 

37 
28 

a9 
30 

31 
3a 
33 
34 

P 
P 

39 
40 

4X 

43 



NAME OF COMPANY. 



Bankers 

Imperial 

Commercial AlUaDce 

Life Indemnity and Invest.. 
Register Life and Annuity. 
Provident Savings 



Equitable of Iowa 

Connecticut General 

Presbyterian Ministers. 

German Mutual 

Home Life..: 

Maryland 



Vermont 

Equitable, New York 

iEtnaLife 

Northwestern 

State Mutual 

Provident Life and Trust. 



New York Life 

National of Vermont. 

TravelTs 

Mutual of Baltimore. . 

Berkshire 

Penn Mutual 



Connecticut Mutual. 

Brooklyn 

United States 

New England 

Royal Union 

Manhattan 



Massachusetts Mutual. 

Pacific Mutual a 

Micbig'^n Mutual 

Mutual Benefit 

Germania 

Mutual, New York 



Phoenix Mutual 

Union Central 

Union Mutual 

Washington 

Mutual of Kentucky. 
Covenant Mutual . . . 



Aggregates . 



Anets, 

January i, 
X89Z. 



$ 
126,414 
219.216 
331.439 
171.159 

11,641 

805,735 

7^5.319 
2.052,896 

454.506 

409548 

7,208,949 

1,500,111 



116,887.786 
35.993,002 
4a.33|.a59 

18,606,619 

"5.093.966 

6,763.845 

10,466,489 

178,791 

A,7oo,72A 

16.485.438 

58,741,243 
1.579.299 
6.469.483 

21,015.948 



za,! 

11.252,640 
a.239,709 
2,976,469 

46,997,422 

15.736.711 
146,494.180 

zo,oio,ooo 
6,614,487 
6.203,768 

10,741.899 
1.795.023 

375.229 



749.921.690 



3*3- 
112, 



litdusMol 

United States Industrial 

Western and Southern ' 

Peoples Industrial 1 

Prudential ' 5, 



Life Ins. Co. of Va ! 508,112 

Metropolitan 10,781,173 

John Hancock 3.967.Q10 

Sun Life 132,192 



139.690 
.084,895 



Aggregates 21,050,371 



Combined Aggregates. 770,972,061 



Liabilities 

(If our Per 

Cent.) 



17.324 
99.735 
146.352 

79.423 

5.967 

450.907 

541.975 
X.543.522 

346.953 
320,41